Business Insurance in Connecticut

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What are the requirements for small business insurance in Connecticut?

State laws can affect which insurance policies you need for your small business. These policies are required for Connecticut businesses.
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Workers' compensation insurance

Connecticut businesses with employees are required to carry workers’ compensation insurance. Household employees who work fewer than 26 hours per week are an exception. All other employees, whether they’re part-time, full-time, or seasonal, must be covered under an employer’s workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Connecticut must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Connecticut’s commercial auto insurance requirements are:

  • Bodily injury liability: $20,000 per person / $40,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000 per person / $50,000 per accident

Recommended insurance policies for small businesses in Connecticut

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Connecticut business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Connecticut business insurance

In Connecticut, insurance agents, agencies, and brokers are licensed by the Connecticut Insurance Department. Insureon is licensed in Connecticut as BIN Insurance Holdings, LLC (NPN 15752926) for property and casualty insurance (license number 002352309) and for surplus lines (license number 002353831). You can verify our licensure with the Connecticut Licensing Info Center by selecting "Search by License Number" and then entering either of our Connecticut state licenses.

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