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.
Learn MoreUndeniable 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 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.
Heat Stress and Heat Stroke
Anyone performing physical or athletic activities on hot or humid summer days is at risk for heat-related illnesses. Those likely to be in danger…
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…
Still Using Weak Passwords? Do This Instead.
Passwords have long been firmly established as the weakest link in an organization’s cybersecurity. Here’s what you can do to avoid this significant yet…
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…
Social Engineering: The Art of Human Manipulation
Social engineering cyberattacks are becoming increasingly prevalent, costing municipalities millions annually. Here’s what you can you do to be cyber smart.
Personal Protective Equipment for Public Entity Employees
Proper use of personal Protective Equipment (PPE) is crucial for accident prevention in the municipal workplace. PPE can safeguard employees from potential risks, ensure their well-being,…
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…
Social and Emotional Awareness
Failure to cultivate a workplace culture that advocates for mental health can subject employers to legal risks, including claims of workplace violence or failure…
Work Zone Safety Works
It’s everyone’s collective responsibility to ensure safety in work zones. Road workers rely on their communities to keep them safe at work. CIRMA provides…
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…
Whitepaper: Create a Home Work Environment that Works for You
Creating a home workspace does not require extraordinary upgrades to your home or even purchasing fancy office equipment. Setting up a workspace with basic…
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…
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.
Fire & Rescue Personnel Accident Insurance Flyer
File a claim for medical expense benefits
File a claim for disability benefits