Insurance in Connecticut

• With few exceptions, every Connecticut employer is required to carry workers’ compensation.
• Anyone pulling a building permit must first show proof of workers’ compensation for employees working on the site, and a certificate of liability insurance does not satisfy it.
• Home improvement contractors must carry at least $20,000 of liability coverage to register.
• The Connecticut auto minimum is $25,000 per person, $50,000 per accident and $25,000 for property damage.
• Connecticut requires continuous insurance coverage on any registered vehicle.
• Homeowners, renters, dwelling fire and condominium policies effective on or after July 1, 2026 must state that flood is not covered.
• Beginning January 1, 2027, a renewal bill for a personal policy that carries an increase must state that the insurer will explain it within 20 business days of your request.
• A homeowners nonrenewal requires at least 60 days’ advance written notice that states a clear reason.
• Connecticut has its own rules for sober living homes.
• Connecticut also has its own surplus lines law.

Articles on Connecticut law cover flood insurance, workers’ compensation, auto insurance requirements, contractor insurance requirements, sober living home rules, surplus lines insurance and the renewal increase rule.

If a standard insurer says no, your policy may be placed this way, and it works a little differently. Some hard to place risks are insured by surplus lines carriers. These carriers are not licensed by the state as admitted insurers. Their policies can cost more, cover less or differently, and follow different cancellation and nonrenewal notice rules. They are generally not covered by the state insurance guaranty fund if the carrier fails. Surplus lines coverage is placed through a licensed surplus lines broker. We explain the differences to you in writing before you decide.

We serve Wallingford, Meriden, North Haven, Cheshire, Hamden, New Haven, Middletown, Durham and Southington, Connecticut.