Click to show search form. Click to show mobile menu. Businesses Workers' compensation A safety net for work-related accidents or illnesses Contact an agent for a quote Workers' compensation Workers' compensation You count on your employees every day, and do everything you can to help make sure they are safe on the job. But accidents happen. Workers' compensation insurance offers a no-fault exclusive remedy safety net for work-related accidents or illnesses, helping to pay for medical care, rehabilitation and lost wages. If an employee has a fatal accident at work, workers' compensation insurance pays an insurance benefit to their family. Businesses are required to carry workers' compensation insurance in almost every state, although requirements for coverage vary. Our experts analyze risks and coverage options to ensure our product offering is competitive and fits the needs of our customers. We can help find the right workers' compensation coverage for your business. Fast claims handling Fast claims handling Claims can be reported 24/7. Within 24 hours of your claim, we initiate contact with you, your employee and the doctor assigned to the case. Learn about our claims commitment Stress-free care coordination Stress-free care coordination Experienced, caring nurse case managers put you and your employees at ease and coordinate care, treatments, physical, emotional and occupational therapies. Plus, with The Hanover NT24 nurse triage program, Hanover customers who suffer an injury the job can use a 24/7/365 telephonic nurse triage service for quick, actionable and expert advice. Learn more about NT24 One-stop shopping One-stop shopping As part of your total business insurance solution, your workers' compensation insurance can be bundled and billed with your other Hanover policies, saving you time and reducing administrative headaches. Risk management Risk management Our risk management services can help reduce work hazards with accident prevention, safety audits and training programs. Find out more Established medical and pharmacy networks Established medical and pharmacy networks Our extensive network of high-quality health care providers, medical equipment suppliers and pharmacies ensures your employee is well cared for, and costs are kept under control. Flexible payment options Flexible payment options With flexible down payments and billing options, we make it easy to manage workers' compensation expenses. We also offer Hanover EZPay as an innovative, pay-as-you-go solution. Contact an agent for a quote Bundled solutions offer more value When you purchase multiple commercial policies from The Hanover through your local independent agent, you will enjoy the convenience of one contact for all your insurance needs -- including customer service, insurance billing, renewals and claims. Commercial automobile Commercial automobile The Hanover's commercial auto insurance fits perfectly with our package solutions. Our offering provides auto insurance to an assortment of commercial vehicles. Learn more Business owners' policy (BOP) Business owners' policy (BOP) The Hanover's BOP offers convenient protection for a wide range of small business customers, with both general and industry-specific broadening endorsements. Learn more Professional liability Professional liability Professional liability insurance provides protection for professionals from claims that their work or advice was inadequate, contained errors or failed to meet specifications. Learn more Commercial umbrella Commercial umbrella The Hanover’s umbrella product offers extra protection in the event of a catastrophic loss, with limits that go beyond scheduled general liability, commercial auto and employers liability. Learn more Workers' compensation services The Hanover's workers' compensation policy¹ offers broad benefits including payments for lost wages, coverage for employees traveling on business and payment for additional expenses to bring home an employee injured outside the U.S. Risk Solutions Risk Solutions Hanover Risk Solutions professionals meet the challenges of Hanover policyholders with a comprehensive array of tools to help reduce your business’s risks wherever they arise. Find out more Claims services Claims services Our industry-leading claim services and 24/7 reporting help you get back to business quickly. If you ever need to make a claim, you'll be glad you have The Hanover. Learn more Featured resources Get safety and insurance articles, videos, infographics and more to help keep your business and property safe, and guide you through the insurance-buying process. How to find transitional duties for your injured workers Article Rapid reporting cuts workers' compensation claim cost Article Why an independent insurance agent is your best bet Article Explore the Prepare now. Learn how. library Tell me more about Risk Solutions Get a workers' compensation quote Your Hanover agent can provide you with a workers' compensation quote as part of total business insurance solution, including business owners insurance, commercial auto insurance and professional liability. Find an agent ¹ Not available in HI. Additional state availability and underwriting guidelines may apply. Navigation THE HANOVER INSURANCE GROUP 440 Lincoln Street Worcester, MA 01653 508-855-1000 The Hanover Careers Investors Reviews Suppliers For customers and agents My Hanover Policy For agents Products and solutions Individuals Businesses Claims services Billing services Prepare now. Learn how. 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