Workers' Compensation Insurance

Workers' Compensation Insurance
Get Great Coverage in Minutes
All it takes is a few clicks.
Quote Today
workers' comp insurance

Why Choose The Hartford for Your Workers’ Compensation Insurance?

The Hartford’s workers’ compensation insurance helps your employees recover from work-related injuries or illnesses so they can get back to work faster.
Start Your Workers' Compensation Insurance Quote Today
Workers' Compensation

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.
You aim to run your business as safely as possible. However, no matter what you do, workplace accidents can happen and employees can get sick from their work. When these situations occur, you’ll want the peace of mind to know that your small business is covered. At The Hartford, we’ve helped protect businesses with workers’ compensation insurance for over 100 years. We’ve got your back and we’re here to help drive you, your employees, and your small business forward.
Start Your Free Quote

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.
Workers’ compensation insurance can help protect your employees if they:
  • Trip walking up the stairs in your office
  • Develop carpal tunnel syndrome from poor typing habits
  • Get hurt in a car accident while visiting a client

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.

Three Big Benefits of Payroll Billing

Three Big Benefits of Payroll Billing

Less hassle, more help. We know what small business owners are looking for – and we’re delivering it.
Workers' Compensation Insurance Testimonial

Blues City Deli – Vince Valenza

Vince Valenza, owner of Blues City Deli in St. Louis, talks about the importance of having workers’ compensation coverage.

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:
 
workman's comp
The National Council on Compensation Insurance assigns classification code workers' comp 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.
Go
image/svg+xml Workers' Compensation Insurance by State Alabama Workers' Compensation Insurance Alaska Workers' Compensation Insurance Arizona Workers' Compensation Insurance Arkansas Workers' Compensation Insurance California Workers' Compensation Insurance Colorado Workers' Compensation Insurance Connecticut Workers' Compensation Insurance Connecticut Workers' Compensation Insurance CT Delaware Workers' Compensation Insurance Delaware Workers' Compensation Insurance DE Florida Workers' Compensation Insurance Georgia Workers' Compensation Insurance Hawaii Workers' Compensation Insurance Idaho Workers' Compensation Insurance Illinois Workers' Compensation Insurance Indiana Workers' Compensation Insurance Iowa Workers' Compensation Insurance Kansas Workers' Compensation Insurance Kentucky Workers' Compensation Insurance Louisiana Workers' Compensation Insurance Maine Workers' Compensation Insurance Maryland Workers' Compensation Insurance Maryland Workers' Compensation Insurance MD Massachusetts Workers' Compensation Insurance Michigan Workers' Compensation Insurance Minnesota Workers' Compensation Insurance Mississippi Workers' Compensation Insurance Missouri Workers' Compensation Insurance Montana Workers' Compensation Insurance Nebraska Workers' Compensation Insurance Nevada Workers' Compensation Insurance New Hampshire Workers' Compensation Insurance New Jersey Workers' Compensation Insurance New Mexico Workers' Compensation Insurance New York Workers' Compensation Insurance North Carolina Workers' Compensation Insurance North Dakota Workers' Compensation Insurance Ohio Workers' Compensation Insurance Oklahoma Workers' Compensation Insurance Oregon Workers' Compensation Insurance Pennsylvania Workers' Compensation Insurance Rhode Island Workers' Compensation Insurance Rhode Island Workers' Compensation Insurance RI South Carolina Workers' Compensation Insurance South Dakota Workers' Compensation Insurance Tennessee Workers' Compensation Insurance Texas Workers' Compensation Insurance Utah Workers' Compensation Insurance Vermont Workers' Compensation Insurance Virginia Workers' Compensation Insurance Washington Workers' Compensation Insurance Washington, DC Workers' Compensation Insurance Washington, DC Workers' Compensation Insurance DC West Virginia Workers' Compensation Insurance Wisconsin Workers' Compensation Insurance Wyoming Workers' Compensation Insurance
Need Workers’ Comp Insurance?

Need Workers’ Comp Insurance?

 
Start Quote

Additional Content

Small Business Coverages

Other Business Coverages

The Hartford offers insurance coverages for companies large and small.
 
Go
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.