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What Is Workers’ Compensation Insurance?
Workers’ compensation insurance, also known as workman’s comp or workers’ comp, gives your employees benefits if they get a work-related injury or illness. These benefits can help:
- Cover their medical care
- Replace most of their lost wages if they take time to recover
- Provide disability benefits
- Pay for their funeral if they lose their life
Workers’ comp also has benefits for you, as a small business owner. If your injured employee or their family sues your business, it can help cover your legal costs.
How Does Workers’ Compensation Insurance Work?
If one of your employees gets a work-related injury or illness, our workers' comp insurance can help them at every step of their recovery. We’ve designed programs to support small businesses. We’re here to help promote your employees’ safety and well-being, and to get your injured employees back to work as soon as possible.
On top of helping cover their treatment, our workers' comp insurance can also help pay to train your employees for new roles if they can’t return to their old ones. And, if they can't return to work at all, workers' comp can provide long-term disability benefits.
The Advantages of Workers’ Compensation Insurance from The Hartford include:
Preferred Medical Provider Network
Your employees have access to over 1 million providers experienced in treating workplace injuries.
Prescription Drug Features
More than 65,000 U.S. pharmacies to fill prescriptions, usually with no out-of-pocket expenses, plus convenient mail-order service.
Needle Stick Reimbursement Program
Helps pay for the initial testing of your employee and their patient if your worker gets hurt with a needle. It can also reimburse your employee for additional testing.
Nursed Back to Health Program
Highly experienced nurse case managers help coordinate care and treatment. They can also help with physical, emotional and occupational therapies.
Pay-As-You-Go Billing Solutions
Helps manage your business’ cash flow by basing your workers' comp premium payments on your actual payroll.
How Much Is Workers’ Compensation Insurance?
Insurance companies use a number of different factors to come up with your workers’ compensation insurance cost, such as your:
- Payroll
- Industry
- Employees' type of work
- Claims history
Every small business is unique. So your workers' comp cost will most likely be different than other companies.
You can use this simple formula to estimate your workers’ comp insurance cost:

The National Council on Compensation Insurance assigns classification code rates based on the type of job workers do. And if your business has a history of claims, this could increase your workers’ compensation cost.
Don't forget this is a simplified calculation just to give you an estimate. An insurance company's actual calculation is more complex, but you can get a workers' comp quote to find out your actual cost.
** This is a simplified calculation for educational purposes only. Actual premium calculations can be more complex. Experience mods are subject to state requirements and do not apply to every policy.
What’s Your State’s Workers’ Comp Law?
Every state has its own workers’ compensation insurance laws and regulations. Do you know yours?
Select a state using the map or dropdown menu. Note: Coverage is not available in all states. Or you can browse All States Workers' Comp Insurance coverages.

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More Answers to Frequently Asked Workers' Comp Insurance Questions

Other Business Coverages
The Hartford offers insurance coverages for companies large and small.