Protect Your Team. Protect Your Business.

Workers' Compensation is mandatory in Connecticut. We make it easy, affordable, and audit-proof with Pay-As-You-Go options.

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The "Grand Bargain" of Employment

Accidents happen. A chef slips in the kitchen; a carpenter strains his back lifting lumber; an office worker develops carpal tunnel.

Workers' Compensation is a "Grand Bargain" between employers and employees. It pays for the injured worker's medical bills and lost wages, and in exchange, the employee generally cannot sue the employer for the injury.

At River East Insurance, we help you navigate Connecticut's strict requirements. Whether you have one part-time employee or a staff of fifty, we find the right carrier to keep you compliant and protected.

CT Law: What You Need to Know

Connecticut is strict. If you have employees, you likely need coverage.

Mandatory: Required as soon as you hire your first employee.
Part-Time Counts: Even if they work 1 hour a week.
Family Members: Often must be covered if they are paid.
Fines: The state issues heavy stop-work orders and fines for non-compliance.

What Does the Policy Pay For?

Medical Expenses

Pays 100% of reasonable and necessary medical costs for the work-related injury. There are no deductibles or co-pays for the injured employee.

Emergency Room Visits
Surgeries & Rehabilitation
Ongoing Medication

Lost Wages (Indemnity)

If the employee cannot work while recovering, this replaces a portion of their income (typically 75% of after-tax wages in CT) so they can pay their bills.

Temporary Total Disability
Permanent Partial Disability
Vocational Retraining

Employer's Liability

Part B of the policy. It protects your business if an employee sues you claiming your negligence caused their injury (outside of the standard WC system).

Gross Negligence Claims
Third-Party Over Actions
Legal Defense Costs

The "Pay-As-You-Go" Advantage

Traditional Workers' Comp requires a large down payment based on estimated payroll. If you overestimate, you overpay. If you underestimate, you get hit with a huge audit bill at the end of the year.

We fix this with Pay-As-You-Go billing. We link your policy to your payroll provider. You pay premiums based on actual wages paid each pay period.

✔ Better Cash Flow: No large down payment required.
✔ Accurate Billing: Premiums adjust automatically as you hire or fire staff.
✔ Minimal Audits: Since you paid accurately all year, year-end audits are painless.

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Common Workers' Comp Questions

I'm the owner. Do I need coverage?

In CT, sole proprietors and LLC members can choose to exclude themselves to save money. However, if you want coverage for yourself, you must actively elect to include it.

How are premiums calculated?

It's a formula: (Payroll / 100) x Class Code Rate x Experience Mod. A roofer pays a higher rate than a receptionist because the risk of injury is higher.

What is an Experience Mod?

It's your "report card." If you have fewer claims than average, your Mod goes below 1.0, earning you a discount. If you have frequent claims, it goes up, acting as a surcharge.

Do I need this for subcontractors?

If your subs don't have their own insurance, the state may view them as your employees. You must collect Certificates of Insurance (COIs) from them to avoid paying for their exposure.