Workers Compensation (WC) Insurance in Connecticut

Workers compensation (WC) is designed to compensate workers whose injuries arise out of and in the course of employment.

The employer’s Obligations are as follows:

  1. Provide a safe workplace
  2. Provide safe tools
  3. Provide qualified fellow workers
  4. Set up safety rules and enforce them
  5. Warn workers of known dangers


What are the common defenses of an employer?

  1. Assumption of risk – the injured person was aware of the danger and still exposed himself (or herself to the dangers associated, by this means, they are not entitled to collect.
  2. Contributory Negligence – the employee contributed to their injury (for example, not wearing a face mask).
  3. Negligent act of fellow employee – employee injured by the negligence of a fellow employee.


The Connecticut Workers’ Compensation System…

  • Covers almost all employees – including minors, non-citizens, part-time employees, regardless of occupation, business size, duration of employment, or number of hours worked per day
  • Is a no-fault system of insurance – private insurers or self-insured employers pay benefits to an injured employee, even if the accident was the employee’s fault or the employee was born with a medical condition which predisposed him or her to the injury.
  • Is designed to help workers injured on the job or with an occupational disease by providing all necessary medical treatment; weekly benefits while disabled, vocational rehabilitation, and additional benefits for scarring, disfigurement, and permanent physical impairment.
  • Gives coverage that cannot be signed away except by (a) officers of a corporation or partners operating partnerships who request in writing to be excluded from coverage or (b) as the result of a stipulated settlement of an individual claim that is approved by a Commissioner.
  • Denies Compensation for injuries resulting from substance or alcohol abuse.
  • Establishes a system of commissioners who hold hearings to resolve disputes in workers’ compensation cases.

image of Svendsen Agency workers comp file tabs

Workers Compensation Benefits provide:

  1. Medical coverage
  2. Disability income
  3. Death and survivor benefits
  4. Rehabilitation

For more information on workers compensation or business insurance call Svendsen Agency at 203-397-3993!
Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016

View Mobile Version
The Hartford
Utica National
Union Mutual Vermont
Utica First
Berkshire Hathaway Guard