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The Hartford

The Hartford

FeaturedPaid

One of the most trusted workers comp insurers for small and mid-sized businesses

🏪Small Business
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About The Hartford

The Hartford is a leading provider of workers compensation insurance with over 200 years in the industry. Known for its strong claims management and return-to-work programs, The Hartford helps businesses reduce costs by getting injured employees back on the job quickly. The company offers flexible pay-as-you-go billing tied to actual payroll, an intuitive online portal for policy management, and industry-specific programs for over 400 business types. Its dedicated nurse case managers and vocational rehabilitation services set it apart from competitors for businesses that prioritize employee recovery outcomes.

What's Great

  • ✓Over 200 years of insurance experience with deep workers comp expertise
  • ✓Pay-as-you-go billing tied to actual payroll eliminates end-of-year audits
  • ✓Dedicated nurse case managers speed up employee recovery and return to work
  • ✓Coverage available for over 400 different business types and industries
  • ✓Strong online portal for certificates, claims tracking, and policy management

Watch Out For

  • !Premiums can be higher than newer digital-first insurers for low-risk businesses
  • !Not available as a direct purchase — requires going through an agent in many states
  • !Some policyholders report slower claims resolution for complex cases
  • !Bundling discounts are limited compared to larger carriers

Common Use Cases

1

Small business owner wanting a trusted carrier with a long track record

2

Employer seeking pay-as-you-go workers comp billing to match cash flow

3

Business with injured workers needing proactive return-to-work programs

Pricing Model

Paid

Paid subscription required. Check the website for current pricing and free trials.

Category

Small Business

Affordable workers comp coverage tailored for small businesses with few employees.

Tags

workers compsmall businessclaims managementreturn-to-workpay-as-you-go

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