Workers’ compensation insurance programs and services that work for you.

As the leading insurance provider for Connecticut’s public sector, CIRMA offers premier Workers’ Compensation medical and indemnification coverages, claim services, and risk management solutions to municipalities, public schools, and local public agencies across the Nutmeg state.

The stability you need in an unstable world.

Our solid and long-standing relationships with leading, A-rated or better insurance carriers enable us to negotiate and place coverage at the most competitive premiums possible. We’ve earned our members’ trust by providing reliable and unmatched protections and rate stability for over 40 years.

We exclusively serve Connecticut’s public sector. Our dedicated underwriters intimately understand your unique risks and our Risk and Claim professionals help you manage them.

Platinum-standard claims solutions.

We understand that you care about your employees—especially when they’re enduring a difficult situation such as a workplace injury. That’s why we help you understand and identify coverage and maximize services to help ensure your injured employees receive the respect, quality care, and service they deserve. Workers’ compensation claims are managed through CIRMACare, our dynamic medical care, and cost management program that delivers high-quality medical care and optimal savings without compromising service or experience.

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Undeniable value that extends beyond policy limits—program highlights:

Members’ equity distribution

Our exceptional financial strength allows us to distribute a percentage of CIRMA’s Members’ Equity to eligible members. Over the last eleven years, total distributions have reached nearly $42M. CIRMA is the only insurance carrier returning equity back to its members—not shareholders.

Premium neutral payroll audits

Our workers’ compensation payroll audits are premium neutral. This service ensures your premium remains predictable and eliminates the uncertainty of premium spikes or adjustments after the policy period has ended. 

Multi-year Rate agreements

CIRMA’s exclusive multi-year rate agreements offer our members unmatched budget stability. Our members are faced with uncertainty each and every day.

CIRMA Surgery Concierge

Our specialized and personalized concierge program significantly enhances the claim experience for injured employees who require surgery. 

Unlimited risk management services

Dedicated and specialized expertise is available through workshops, onsite training, and consultative services, as well as access to competitive online training programs—all tailored to Connecticut’s public sector.

Wellness At Work

The adoption of workplace social and emotional health programs skyrocketed over the past two years due to heightened visibility during the pandemic when remote…

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Preventing Tick-borne Disease Exposure

In Connecticut, occupational exposure to tick-borne diseases is a recognized hazard. Outdoor workers must protect themselves in the spring, summer, and fall when ticks…

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Preventing Sprains & Strains

Sprain and strain injuries are the most common and costly workplace injuries. Employees can injure their knee, shoulder, wrist, or back while performing everyday…

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Water you waiting for?

Claims involving dehydration and heat exhaustion can be costly—Connecticut municipalities experienced over $150 million in related medical expense losses alone over the past five…

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Bee Safe

Bee and wasp stings are a common summer nuisance that can turn deadly if the victim develops a severe allergic reaction (anaphylaxis). Public Health…

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Exclusive workers’ comp coverage enhancements

We’ve spent almost a half-century getting it right. So here’s an overview of services and protections that CIRMA provides at no additional cost to you.

Fire and Rescue Personnel Accident Insurance

This valuable insurance program is available through our partnership with The Hartford Fire Insurance Company. Coverage is uniquely suited to provide fire and rescue (EMT) personnel the protection they need if they experience an accident while performing their duties. This highly- specialized insurance solution delivers the financial protection and peace of mind our local community heroes deserve.


Let CIRMA create a tailored workers’ compensation insurance program that fits your needs, today.

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