Workers' Compensation Insurance
Coverage for employees injured on the job or made ill by their work — required in Connecticut, and where mod factors quietly cost you.
More than a legal requirement
Workers' comp covers medical costs and lost wages for work-related injury and illness. It's mandatory — but the way it's priced, through your experience modification factor, is where most businesses overpay without knowing it.
The mod factor advantage
Your experience mod is a multiplier on your premium, built from your claims history and class codes. We audit it for errors and help you manage the inputs — because a mod that's wrong, or simply unmanaged, costs you every single year.
A safer, cheaper program
We work with you on class-code accuracy, claims handling, and return-to-work strategy — the levers that actually move your cost — to create a safer workplace and a lower premium.
Want this looked at for your business?
A free review shows you exactly where your coverage stands — in plain English, no obligation.