In Connecticut, whether a business owner or corporate officer is covered by workers' compensation — and whether they can change that — depends on the entity type and Connecticut's own rules. Getting the election right affects both your protection and your premium. Here is how inclusion and exclusion work in Connecticut, the form or filing to use, and what it means for your policy.
Who must carry workers' compensation in Connecticut?
Mandatory for any employer with one or more employees — there is no numeric threshold.
Can owners and officers be included or excluded in Connecticut?
| Sole proprietor | Excluded by default; may elect in (Form 75). |
|---|---|
| Partners | Included by default; may elect out (Form 6B-1). |
| LLC members | Included by default; may elect out (Form 6B). |
| Corporate officers | Included by default; may elect out (Form 6B). |
How to make the election in Connecticut
- Connecticut Workers Comp Inclusion-Exclusion Form (Corp-LLC)
- Connecticut Workers Comp Inclusion-Exclusion Form (Partnership)
- Connecticut Workers Comp Inclusion-Exclusion Form (Sole Proprietor)
- Official source: Connecticut WCC — coverage election forms (6B, 6B-1, 75)
Payroll counted for an included owner in Connecticut
When an owner or officer is included, premium is figured on their payroll between a minimum and maximum (effective 1/1/2026), set by NCCI (CID-approved).
| Included owner/officer minimum | $1,700 per week |
|---|---|
| Included owner/officer maximum | $3,400 per week |
Included officer/LLC member: $1,700–$3,400/week ($88,400–$176,800/yr); sole-proprietor/partner basis ~$89,200/yr.
These amounts update periodically; we confirm the current figure for your policy. Source: Connecticut Insurance Department–approved NCCI 2026 filing.
Connecticut's assigned-risk / residual market
An employer that can't secure workers' comp in the standard market can still get covered through Connecticut Workers Compensation Insurance Plan (administered by NCCI). We market your risk to voluntary carriers first and turn to the residual market only as a last resort.
Related
Connecticut business insurance · Workers' compensation coverage · Connecticut Workers' Compensation Commission.
Frequently Asked Questions
Do business owners have to carry workers' comp on themselves in Connecticut?
It depends on your entity and role. Excluded by default; may elect in (Form 75). Included by default; may elect out (Form 6B). Employees are always covered.
How do I include or exclude an owner from workers' comp in Connecticut?
The right form, portal, or endorsement depends on your entity type. Connecticut publishes its own form, which we complete and file with you.
What payroll is used for an included owner in Connecticut?
Included officer/LLC member: $1,700–$3,400/week ($88,400–$176,800/yr); sole-proprietor/partner basis ~$89,200/yr. We confirm the current figure for your policy.
Can Cory Washington & Co. handle my Connecticut workers' comp election?
Yes. We confirm which rule applies to your entity, prepare the correct form or election, coordinate it with your carrier, and keep your workers' comp aligned with the rest of your program. Request a quote or a policy review and we'll take it from there.
This page is general educational information from Cory Washington & Co. LLC about how workers' compensation owner inclusion and exclusion works in this state. It is not legal, tax, or insurance advice and is not a determination of your eligibility or obligation. Workers' compensation laws, forms, payroll limits, and residual-market programs change and depend on your entity type, ownership, and operations. Confirm the current rules and amounts with your licensed advisor at Cory Washington & Co. LLC and the state agency before making any election.