Connecticut Workers Compensation
At The Litchfield Insurance Group we pride ourselves on being the people you call when your experience mod starts going up. Our dedicated claims team has helped Connecticut businesses lower their experience modification factor to levels they didn't think were possible, and help implement strategies to keep them there.
At Litchfield Insurance Group we understand that your employees are your greatest investment, which is exactly why we are dedicated to helping you keep them safe and to insure that when a claim does happen, it is a positive experience for both the injured worker and has the minimal effect on. Additionally, by helping you determine, analyze and strengthen your experience modification factor, Litchfield Insurance Group can help your commercial venture get the quality coverage you deserve, at a price you can afford.
In its simplest form, the Connecticut workers' compensation is a first dollar coverage to provide an injured employee with immediate medical care, and to pay them a portion of their wages if they miss work due to the injury. It provides the employee with peace of mind; reassuring them that if an on-site accident does occur, their employer's worker's comp coverage will pay the bills.
If you are a business with more than ONE EMPLOYEE, you are required BY LAW to carry Connecticut workers compensation coverage. All work comp programs are not created equal, and your company deserves the expert coverage, pro-active claims management, and experience mod verification strategies that are included when you choose to get ahead of the 8 ball and let the Litchfield Insurance Group overhaul your workers' comp program.
Legal ramifications aside, if you're a commercial contractor, you know that the State of CT can be very particular with which contractors they let bid on state work. If you have a high experience mod, it can mean the difference between winning the job and making payroll or sitting on the sidelines while your SAFER competitor wins the bid!
We haven't found an experience mod we can't lower, and if it's already as low as it can go, you're probably already our client!