A surprise workers' comp audit bill for uninsured subcontractors is only half the story in Connecticut. Under CGS 31-291, a general contractor can be made to pay the injured worker's benefits directly, not just the premium.
Connecticut's new labor and employment law adds an uncapped workers' comp benefit, expands pay transparency liability, and makes general contractors liable for a subcontractor's unpaid wages. Here is what each means for your coverage.
Connecticut approved another statewide workers' compensation loss cost decrease for 2026. If your renewal went up anyway, the reason is specific to your business, not the state of the market.
How Connecticut workers' compensation actually works for small employers: who needs coverage, how payroll and class codes drive premium, experience modification, owner elections, subcontractor certificates, and the misclassification mistakes that surface at audit.
General liability, certificates of insurance, additional insured status, subcontractor risk transfer and completed operations — a practical guide for Connecticut contractors on what these documents do and do not do.
A family with a nanny, housekeeper, estate manager or regular groundskeeper is an employer. Here is why homeowners liability does not substitute for workers compensation, and what else follows.
A BOP bundles property, general liability, and business income into one form at a lower cost than buying them separately. What it covers, what pushes a business out of it, which endorsements matter, and where the valuation traps sit.
Connecticut restaurant owners need specialized insurance coverage. Learn about essential policies to protect your food service business.
Comprehensive guide to protecting your Connecticut home
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