EMC is introducing a new small business workers’ compensation program in Connecticut, effective October 1, 2026.

This is a new product rather than a pricing move, with no overall rate impact. Instead, EMC is reshaping how it approaches small business risks by building a more structured and segmented program on top of standard NCCI loss costs.

The key change is the introduction of tiered pricing. Businesses will be grouped based on factors like size, claims history, and operating profile, with pricing adjusted accordingly. Stronger risks are expected to land in better tiers and pay less, while weaker risks are priced higher, bringing more differentiation into what is typically a standardized line.

The program also introduces a more consistent pricing framework, with defined minimum premiums, built-in expense loads, and optional endorsements priced separately.

Overall, the move reflects a broader shift toward more controlled, data-driven underwriting for small commercial accounts. EMC isn’t raising rates—it’s tightening how those rates are determined and packaged for small business customers.