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.
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:
This policy is important for all Connecticut businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
This policy helps Connecticut businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Connecticut business.
Workers’ compensation insurance is required for Connecticut businesses that have employees. It can cover medical costs for work injuries and illnesses.
This policy is required for business-owned vehicles in Connecticut. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
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.