Workers’ Compensation Insurance in Connecticut

Whether you're operating a manufacturing shop in Waterbury or a design studio in Stamford, your team is your greatest asset. At F&T Insurance Agency, we help businesses across Connecticut stay protected and compliant with workers compensation insurance CT employers can rely on—for clarity, cost control, and real coverage.

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Workforce Protection, Made Local

Workers’ Comp That Works for CT Businesses

We tailor workers comp coverage CT companies need to stay legally compliant and financially secure. From navigating state regulations to finding affordable workers comp CT policies, we’re here to help you protect your people and your business—without the guesswork.

Injury & Illness Coverage

We help ensure employees receive medical care, rehab, and the support they need after a workplace injury—so they can focus on healing.

Wage Replacement

When an employee has to miss work, our coverage provides partial income support to help ease their recovery—and protect your business continuity.

Compliance You Can Trust

We stay on top of Connecticut’s evolving workers comp laws, helping you meet every requirement and avoid costly penalties or oversights.

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Questions Connecticut Employers Ask

  • Is workers’ compensation required in CT?

    Yes. Connecticut law requires coverage for most employees. We help ensure you're meeting state obligations without overpaying.

  • What does a standard workers’ comp policy include?

    Coverage includes medical care, wage replacement, and benefits related to job-related injuries and illnesses.

  • Are there ways to lower my premium?

    Yes. We evaluate your claims history, job roles, and safety practices to help you secure affordable workers comp CT options.

  • What about independent contractors?

    We’ll help you understand CT’s definitions and requirements to ensure you’re properly classifying and covering your workforce.

  • How do claims work?

    We walk you through the entire process, from filing to resolution—supporting your employee and protecting your bottom line.

CT Businesses. Real Support.

Let’s Protect Your Team Together

At F&T Insurance Agency, we work with businesses across Connecticut to deliver smart, tailored workers’ comp coverage—with guidance and service that keeps you informed, compliant, and in control.

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