Workers compensation rate filings in Connecticut (2026)
Every carrier writing workers compensation coverage in Connecticut files its rates and rating rules with the state's insurance regulator — the primary-source records behind every workers compensation quote in Connecticut. This page tracks the 38 active workers compensation filing(s) on record for Connecticut, filed by 2 distinct carrier(s).
Workers compensation rate filings in Connecticut are reviewed by the Connecticut Insurance Department. A workers compensation premium in Connecticut is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two Connecticut businesses with the same profile can be quoted very different workers compensation premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with workers compensation filings on record in Connecticut include National Council on Compensation Insurance (NCCI), National Council on Compensation Insurance (NCCI) — CT filing. Disclosed rate changes among these filings range from -3.8% to -3.8%. Where a base rate is filed, values run from $0.07 to $9.84 on the filed rating basis. The most-recent workers compensation filing we track for Connecticut is effective January 2026. Every row below cites its filing reference so the Connecticut regulator record can be verified.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | CT | Overall -3.8% voluntary loss cost decrease / -0.4% assigned risk decrease | Jan 1, 2026 | Filing #CTID-2025-WC-NCCI |
| WC | CT | per $100 payroll (advisory loss cost) | Jan 1, 2026 | — |
| WC | CT | per $100 payroll (advisory loss cost) | Jan 1, 2026 | — |
| WC | CT | per $100 payroll (advisory loss cost) | Jan 1, 2026 | — |
| WC | CT | per $100 payroll (advisory loss cost) | Jan 1, 2026 | — |
| WC | CT | per $100 payroll (advisory loss cost) | Jan 1, 2026 | — |
| WC | CT | per $100 payroll (advisory loss cost) | Jan 1, 2026 | — |
| WC | CT | per $100 payroll (advisory loss cost) | Jan 1, 2026 | — |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Carriers writing workers compensation in Connecticut
49 carrier groups have an active workers compensation filing footprint in Connecticut (1,323 filings observed in the public SERFF record). Most active by volume: Liberty Mutual, CNA, MEMIC, Old Republic, Nationwide, Travelers.
Carrier market presence from public SERFF activity — a signal of who competes for this coverage here, not a price or a rate. Comparison sites cannot legally publish this data — it comes from the public regulatory record.
Compare Connecticut workers compensation carriers →National Council on Compensation Insurance (NCCI) filed CTID-2025-WC-NCCI effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — CT filing filed CT-NCCI-2026 effective January 2026 (active).
Workers' Compensation covers medical bills and lost wages for Connecticut employees injured on the job, and is mandatory in Connecticut once a business has staff.
Across Connecticut, workers compensation carriers earned about $761M in premiums at a 49.2% loss ratio and a 12.9% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how workers compensation actually performs in Connecticut, beyond any single carrier's filing.
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Key takeaways for Connecticut workers compensation
- Connecticut workers compensation rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual Connecticut workers compensation premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how Connecticut workers compensation rates differ for your specific operation.
Get a real Connecticut workers compensation quote
Bureau loss-cost filings are the regulator-approved starting point — carrier premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's loss-cost multiplier (LCM). Request a free Connecticut quote in under 90 seconds.
Get a free Connecticut quote → See what workers compensation insurance costs →Go deeper on workers compensation
- Workers' comp class codes & loss costs — hub
- Workers compensation loss ratios & profitability by state (NAIC)
- Deep data study: Workers compensation by state
- What workers compensation insurance costs
- All Connecticut rate filings (all lines)
- Rate filings by state — directory
- National Rate Change Tracker
- How insurance rates are set — methodology
Figures summarized here are drawn from public Connecticut Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.