The owner of a Connecticut construction firm has been arrested and charged with failing to provide the required workers’ compensation insurance coverage for employees as required by law.
According to the state’s Division of Criminal Justice, Lou Milardo, , the owner of Lou Builders, LLC and J&L Milardo, LLC, located in Haddam, was arrested on December 3, 2025 by inspectors from the workers’ compensation fraud unit in the Chief State’s Attorney’s office and was charged with two counts of noncompliance with insurance requirements.
According to the arrest warrant affidavit, the National Council on Compensation Insurance database revealed that Lou Milardo Builders never carried a workers’ compensation insurance policy. J&L Milardo previously maintained a workers’ compensation insurance policy. Additionally, J&L Milardo was doing business as Rivers Edge Tile & Carpet and previously carried a policy, until it was canceled by the insurer for non-payment of the premium. Prosecutors said the previous policy demonstrates knowledge of the requirement to have coverage in place.
In August of 2021, an employee of Lou Milardo Builders was involved in a serious work-related accident while operating heavy machinery on a worksite. At the time, there was no workers’ compensation insurance policy in effect to cover the employee. As a result, the Second Injury Fund covered the $85,489.22 in medical and indemnity payments for the injured employee.
The Second Injury Fund provides benefits to employees who were injured during the course of their employment where the employer failed to cover the wage replacement and medical expenses. It is funded through assessments in the workers’ compensation policy.
The charges are merely accusations and Milardo is presumed innocent unless and until proven guilty in a court of law.
Milardo was released on $10,000.00 non-surety bond and is scheduled to appear in court on January 20, 2026.
Topics
Workers’ Compensation
Talent
Connecticut
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