Connecticut is an NCCI loss-cost state: NCCI files advisory loss costs per class code with the Connecticut Insurance Department, and each carrier applies its own filed multiplier to convert them into rates. The published numbers are a floor pattern, not your price — the carrier decision is your price.

The current rate environment in Connecticut

The Connecticut Insurance Department approved an overall 3.8% loss cost decrease effective January 1, 2026 for the voluntary market (assigned-risk rates edged down 0.4%, with the assigned-risk differential rising to 1.600). Fourteen straight years of generally declining Connecticut loss costs reward employers who re-shop rather than auto-renew.

Where to find official Connecticut rate data

NCCI’s per-class Connecticut loss costs are distributed through its subscription products rather than a free public table — the Insurance Department’s filing notice confirms the overall change. Practically, what you can control is on the policy side: classification accuracy, the carrier’s multiplier, and your experience mod. We run those numbers when we quote.

What determines your Connecticut premium

• Class codes — every job type carries its own rate; misclassification is the most common cause of overpayment
• Payroll — premium is calculated per $100 of payroll, by class
• Experience mod — your claims history versus similar businesses scales the whole premium up or down
• Carrier pricing — each carrier files its own multiplier over NCCI loss costs, and the assigned-risk market runs about 60% above voluntary pricing — staying out of it is worth real money
• Credits and programs — safety programs, dividend plans, and pay-as-you-go options move the net cost

How to get the best rate in Connecticut

The rate tables are only the starting point: the carrier you land with, the accuracy of your class codes, and how your payroll is reported decide what you actually pay. We quote Connecticut businesses across a dozen A-rated markets and show you the comparison — including pay-as-you-go billing that matches premium to actual payroll. See our Connecticut workers’ comp guide and Connecticut forms & resources for the rest of the picture.

Connecticut rate FAQs

Did Connecticut workers’ comp rates go down for 2026?

Yes — the Insurance Department approved a 3.8% decrease in voluntary-market loss costs effective January 1, 2026. Assigned-risk rates decreased 0.4%, while the assigned-risk differential rose to 1.600.

Who sets workers’ comp rates in Connecticut?

NCCI files advisory loss costs with the Connecticut Insurance Department; each insurer applies its own filed multiplier. Final rates therefore differ by carrier on identical businesses.

What is the assigned risk plan in Connecticut?

It’s the coverage of last resort for businesses that can’t find a voluntary-market carrier — priced at a significant markup (differential of 1.600 for 2026). An independent agency’s job is to keep you in the voluntary market, where the same business costs much less.