Workers Compensation
Workers’ compensation insurance provides coverage for employees who are injured or become ill as a result of their job. This coverage typically helps pay for medical expenses, rehabilitation costs, and a portion of lost wages. In exchange, employees generally give up the right to sue their employer for work-related injuries, helping protect businesses from costly litigation.
For most businesses with employees, workers’ compensation insurance is required by law. Failing to carry proper coverage can result in significant fines, penalties, and legal exposure. At ISU Elite Insurance, we help Connecticut business owners navigate workers’ compensation requirements and secure coverage that meets both regulatory obligations and operational needs.
Having the right workers’ compensation policy in place helps protect your employees while also safeguarding your business’s financial stability. Properly structured coverage can support injured workers during recovery and help your business return to normal operations as smoothly as possible after a claim.
In some cases, certain individuals—such as sole proprietors, partners, or specific types of agricultural workers—may be exempt from mandatory workers’ compensation requirements. We help you understand who must be covered and ensure your policy is structured correctly based on your business and workforce.