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Connecticut

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$11,000

Registration

Required

Overview Calling Hours Consent Registration DNC Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Connecticut

Insurance agency telemarketing and lead generation compliance in Connecticut

Guide last reviewed: January 2025

⚠

Mini-TCPA State — Conn. Gen. Stat. § 42-288a et seq.

Connecticut imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $11,000 per-violation penalties.

Connecticut Insurance Overview

Insurance telemarketing in Connecticut requires triple compliance: state telemarketing laws (registration + DNC + ATCS Act), Connecticut Insurance Department regulations, and federal CMS rules for health/Medicare products. The 9 AM - 9 PM calling window is stricter than federal hours. CUTPA's uncapped punitive damages make deceptive representations especially risky.

Penalty/Violation

$11,000

Willful

$25,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Licensed insurance agents must comply with both telemarketing laws and Connecticut Insurance Department regulations,Register as a telemarketer with the Department of Consumer Protection if making outbound sales calls,Manual dialing for cold outreach to non-DNC numbers — 9 AM to 9 PM,Obtain written consent before automated calling or texting,Connecticut Insurance Department requires agents to identify their license status on calls,Do not misrepresent policy terms, coverage, or pricing — CUTPA's uncapped punitive damages apply,Honor opt-out requests immediately,EBR exemption applies to current policyholders for manual calls only,Medicare and health insurance solicitation subject to additional CMS federal requirements

What Gets Companies Sued

✗Common insurance violations: (1) Using auto-dialers to cold-call Medicare-eligible consumers; (2) Misrepresenting coverage terms on calls; (3) Not identifying as a licensed agent; (4) Calling DNC-registered numbers; (5) Not registering as a telemarketer with the state.

Special Exemptions

Licensed insurance agents with existing policyholders have an EBR exemption for manual calls. This does NOT extend to automated calling or to leads who only requested a quote.

Key State Rules

Mini-TCPAYes

RegistrationRequired

Class ActionsAllowed

Consent Requirements→Registration Details→DNC List→

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →