Connecticut Contractor Insurance Requirements
Connecticut requires workers' compensation for employers with one or more employees and operates a state-administered WC system through the Workers' Compensation Commission. The Department of Consumer Protection licenses contractors and requires proof of insurance for home improvement contractors performing work over $200. Connecticut is unique in that home improvement contractors must register and carry both GL and WC insurance, creating a robust compliance framework that property managers can reference.
Connecticut COI Requirements at a Glance
The following table summarizes the minimum insurance requirements for contractors operating in Connecticut. Commercial property managers often require limits above state minimums.
| Coverage Type | Minimum / Status |
|---|---|
| General Liability (per occurrence) | $500,000 |
| General Liability (aggregate) | $1,000,000 |
| Workers' Compensation | Mandatory 1+ employees |
| Umbrella / Excess Liability | Commonly Required on Large Projects Common minimum: $1,000,000 |
| Additional Insured Endorsement | Commonly Required |
| Waiver of Subrogation | Commonly Required |
Coverage Notes
GL: Home improvement contractors must carry $500K per occurrence GL minimum. Commercial property managers typically require $1M/$2M.
WC: Connecticut General Statutes § 31-284 requires WC for all employers with 1+ employees. Sole proprietors and partners are not required to cover themselves but may elect to do so.
Umbrella: Required on commercial projects and state contracts. $2M excess is common in Fairfield County and Greenwich commercial construction.
Additional Insured: Required by the Connecticut Department of Consumer Protection on home improvement contracts. Standard in commercial property management.
Waiver of Subrogation: Standard on commercial property management and construction contracts in Connecticut.
Connecticut-Specific Laws & Regulations
These laws directly affect how contractor insurance requirements are structured in Connecticut. Property managers should be familiar with these statutes when reviewing vendor COIs.
Connecticut General Statutes § 31-284 (Workers' Comp)
Mandatory WC for all employers with 1+ employees. Connecticut has a dedicated Workers' Compensation Commission that adjudicates disputes.
Home Improvement Contractor Registration (CGS § 20-417a)
Contractors performing home improvements over $200 must register with the Department of Consumer Protection and carry $500K GL and WC insurance.
Connecticut COI Frequently Asked Questions
Common questions from property managers and contractors about insurance requirements in Connecticut.
Do contractors in Connecticut need workers' compensation?
Yes. Connecticut General Statutes § 31-284 requires workers' compensation for all employers with one or more employees. Sole proprietors are exempt from covering themselves but must cover any hired employees.
What are the insurance requirements for home improvement contractors in Connecticut?
Connecticut home improvement contractors performing work over $200 must register with the Department of Consumer Protection and carry at least $500,000 per occurrence in general liability and workers' compensation insurance.
What are the minimum GL requirements for commercial contractors in Connecticut?
Commercial property managers in Connecticut typically require $1M per occurrence / $2M aggregate general liability, plus workers' compensation and additional insured endorsements. Fairfield County projects commonly require $2M umbrella coverage.
What should a Connecticut COI include for property management?
A compliant Connecticut COI should include GL ($1M/$2M minimum), workers' compensation, additional insured endorsement, and waiver of subrogation. For home improvement work, verify the contractor's Department of Consumer Protection registration number.
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