Insurance in Connecticut: State Rules and Requirements

Insurance in Connecticut

The rules that shape car, home and business insurance in Connecticut, each linked to its official source, and how to get coverage shopped here. Sam Alishahi holds a Connecticut nonresident insurance producer license (NPN 21022298) and places Connecticut policies directly.

By Sam Alishahi · Reviewed October 2026

Car insurance in Connecticut (25/50/25)

Minimum car insuranceConnecticut requires at least $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability (or a $50,000 single limit). Uninsured/underinsured motorist coverage of at least $25,000/$50,000 is mandatory. PIP is not required. Source
Fault systemConnecticut has been an at-fault (tort) state since it repealed its no-fault law in 1993. Source

Business insurance rules in Connecticut

Workers’ compensationWith few exceptions, any Connecticut employer that regularly uses one or more paid employees must carry workers' comp, through a licensed insurer, self-insurance or group self-insurance. Deliberately failing to carry coverage or misclassifying employees as contractors is a class D felony. Source
Contractor licensingHome improvement contractors must register with the Department of Consumer Protection and pay a yearly fee into the Home Improvement Guaranty Fund. The department can make a $15,000 bond a condition of issuing, renewing or reinstating a registration when there are grounds for discipline, but the Home Improvement Act does not set a general liability insurance requirement. Source

Home insurance in Connecticut

Home insurer of last resortThe Connecticut FAIR Plan provides basic property insurance for owners who can't get coverage in the regular market. Source

High-value homes in Connecticut.

Disasters, floods, hail, tornadoes and earthquakes in Connecticut

Connecticut disasters, floods, hail, tornadoes and earthquakes, from federal records
Measure	Connecticut	Rank among the states	Detail
Federal major disaster declarations since 2000	14	#43 of 51	Most often for severe storm (8), hurricane (4), snowstorm (1). New Haven County(in (P)MSA 1160,5480,8880) has been in 12 of them.
National Flood Insurance Program claims, 2005–2025	16,121	#12 of 51	$456.9 million paid; 22% of claims with a known flood zone were outside FEMA’s high-risk zones.
Homes in high-risk flood zones with a federal flood policy	50%	#8 of 50	15,727 policies for 31,234 homes in the counties FEMA can measure; US: 40%.
Hail reports, 2016–2025	102	#43 of 51	2 of them 2 inches or larger. Largest stone 2.5 inches, Hartford County, May 2018.
Tornadoes, 2016–2025	31	#38 of 51	0 rated EF2 or stronger; 127 recorded since 1950.
Earthquakes of magnitude 4.0+, 2000–2025	0	—	None of magnitude 4.0 or greater recorded in or near the state.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Look up the storm history of any county in Connecticut.

The property risks that matter in Connecticut

Some eastern Connecticut homeowners face crumbling foundations caused by pyrrhotite, and the state created the Connecticut Foundation Solutions Indemnity Company to help.

Wind from tropical storms is the defining property risk along the Connecticut coast. Ask whether your policy uses a named-storm deductible, how it is triggered, and whether roof upgrades or shutters earn a mitigation credit.

Winter storms drive many Connecticut claims: frozen and burst pipes, ice dams and roof collapse from snow load. Sudden pipe bursts are usually covered, but losses from failing to maintain heat in a vacant home may not be. Water backup coverage is a separate endorsement.

Standard homeowners and renters policies exclude flood. In Connecticut, flood coverage comes from the National Flood Insurance Program (NFIP) or a private flood insurer, and NFIP policies generally carry a 30-day waiting period, so buy before storm season. Check your address on FEMA's Flood Map Service Center.

Worth knowing in Connecticut

A 2023 legislative research report lists Connecticut among the 14 states that require underinsured motorist coverage, on top of uninsured motorist coverage. State law also set up contractor training for repairing and replacing concrete foundations that have deteriorated from the mineral pyrrhotite.

Before your next Connecticut renewal

Compare your auto liability limits with the Connecticut minimum of 25/50/25 and with your actual assets.
Find your hurricane or named-storm deductible in dollars and set aside that amount.
Add water backup coverage and keep heat on when the home is empty.
Check your address on FEMA's Flood Map Service Center and price an NFIP or private flood policy before storm season (NFIP usually has a 30-day wait).
Landlords: confirm fair rental value and liability on each unit.

Connecticut’s insurance regulator

Insurance in Connecticut is regulated by the Connecticut Insurance Department, which handles consumer complaints and licenses insurers and agents.

Sam Alishahi holds a Connecticut nonresident insurance producer license (NPN 21022298) and places Connecticut policies directly.

Common questions

What is the minimum car insurance in Connecticut?

Connecticut requires at least $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability (or a $50,000 single limit). Uninsured/underinsured motorist coverage of at least $25,000/$50,000 is mandatory. PIP is not required.

Is Connecticut a no-fault state?

Connecticut has been an at-fault (tort) state since it repealed its no-fault law in 1993.

Do employers in Connecticut need workers’ comp?

With few exceptions, any Connecticut employer that regularly uses one or more paid employees must carry workers' comp, through a licensed insurer, self-insurance or group self-insurance. Deliberately failing to carry coverage or misclassifying employees as contractors is a class D felony.

What can a Connecticut homeowner do if no insurer will write the house?

The Connecticut FAIR Plan provides basic property insurance for owners who can't get coverage in the regular market.

Does Connecticut homeowners insurance cover hurricanes?

Wind damage from hurricanes is generally covered, often subject to a separate hurricane deductible. Storm-surge flooding requires flood insurance.

Are frozen pipes covered in Connecticut?

Sudden bursts are usually covered, but damage caused by failing to maintain heat in a vacant home may be excluded.

More answers: Connecticut homeowners insurance guide Connecticut renters insurance and security deposit guide Connecticut life insurance consumer guide Connecticut flood risk and NFIP guide

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Tell me what you need insured.

Home, car, business, trucks or something harder to place. One request, and I take it from there.

Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

Insurance in Connecticut