Workers' Compensation Insurance

Protect Your Employees. Protect Your Business.

If someone on your team gets injured on the job, workers’ compensation insurance makes sure they get the care they need—and your business stays protected from lawsuits and major out-of-pocket costs.

In Connecticut, workers’ comp isn’t just a smart move—it’s legally required if you have employees. But that doesn’t mean every policy is the same. At Spectrum Insurance, we help you understand your obligations, avoid coverage gaps, and find a policy that works for your business and your budget.



We work with over 25 top-rated carriers to get you the right protection at the best possible price—so you can get back to business without worrying about what happens if someone gets hurt.

What Does Workers’ Comp Cover?

Workers’ compensation insurance helps cover:

• Medical Expenses – ER visits, surgeries, prescriptions, physical therapy
• Lost Wages – A portion of income paid to the employee while they’re out of work
• Ongoing Care – Rehab or long-term treatment following a serious injury
• Disability Benefits – Coverage if the injury causes temporary or permanent disability
• Employer Legal Liability – If you’re sued for negligence related to a workplace injury



It's not just about compliance—it’s about taking care of your team and protecting your livelihood when accidents happen.

Real-World Example: A Misstep on the Job

their knee stepping off a retaining wall. It seems minor, but a week later they’re out of work, in physical therapy, and looking at a few months of recovery.



Without workers’ comp, you’d be covering their medical bills and lost wages personally—and possibly facing a lawsuit. With the right policy, the claim is handled quickly, your employee gets the care they need, and you avoid major financial strain.

Who Needs Workers’ Comp in Connecticut?

Connecticut law requires most businesses with one or more employees to carry workers’ compensation insurance. This includes:

• Full-time and part-time employees
• Seasonal workers
• Certain subcontractors and 1099s depending on your business structure

We regularly help secure workers’ comp for:

• Contractors & trade businesses
• Restaurants and food service
• Retail stores
• Medical and wellness practices
• Office-based businesses with small teams



Even if you're not technically required to carry it, workers’ comp is often expected by vendors, job sites, and commercial landlords—and it’s a major trust factor when hiring.

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At Spectrum Insurance, we compare quotes from top-rated carriers across Connecticut, tailoring coverage to your specific needs, industry, and budget. You tell us what you do—we’ll find the right fit, explain it clearly, and make sure you’re not overpaying.