Find an Agent Claims Contact Us Agents & Producers MY ACCOUNT Auto Home Business Employee Benefits About The Hartford Insurance Business Insurance Workers' Compensation Insurance 4.8/5 Star Claims Experience* (6031 reviews) 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 What Is Workers’ Compensation Insurance? Workers’ compensation insurance, also known as workman’s comp or workers’ comp, gives your employees benefits if they get injured or become ill from their job. These benefits can help: Cover their medical care Replace most of their lost wages if they take time off from work to recover Provide disability benefits Give death benefits, like helping pay for a funeral if they lose their life in a work-related accident Workers’ comp also has benefits for you, the 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 occur and employees can get sick from their work. If these situations happen, you’ll want peace of mind knowing 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 protect you, your employees and your small business. Start Your Free Quote How Does Workers’ Compensation Insurance Work? If one of your employees gets injured on the job or sick from their work, our workers’ comp insurance can help them recover and return to their job. We’ve designed our programs to support small businesses. We’re here to help promote your employees’ safety and well-being, getting them to return 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 roles. 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 Less hassle, more help. We know what small business owners are looking for – and we’re delivering it. 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? It’s important to remember that workers’ compensation insurance costs vary between businesses. That’s because every small business is unique. So, your cost for carrying workers’ compensation coverage will likely be different than other companies. Insurance companies use different factors to come up with your workers’ compensation insurance cost. This can include your business’: Payroll Industry Employees’ type of work Claims history How to Get Workers’ Compensation Insurance You can use this simple formula to estimate your workers’ comp insurance cost: The National Council on Compensation Insurance assigns classification codes based on a worker’s type of work and the risk involved. And if your business has a history of claims, this could increase your workers’ comp rate. Don’t forget that this is a simplified calculation just to give you an estimate. An insurance company’s actual calculation is more complex. The best way to find out your business’ insurance cost is to get a workers’ comp quote. ** Experience mods are subject to state requirements and do not apply to every policy. What’s Your State’s Workers’ Comp Law? Workers’ compensation insurance laws and regulations vary by state. Do you know yours? Select a state using the map or dropdown menu. Or, browse all states workers’ comp insurance coverages. Select a State Alabama Workers' Compensation Arizona Workers' Compensation Arkansas Workers' Compensation California Workers' Compensation Colorado Workers' Compensation Connecticut Workers' Compensation Delaware Workers' Compensation Florida Workers' Compensation Georgia Workers' Compensation Idaho Workers' Compensation Illinois Workers' Compensation Indiana Workers' Compensation Iowa Workers' Compensation Kansas Workers' Compensation Kentucky Workers' Compensation Louisiana Workers' Compensation Maine Workers' Compensation Maryland Workers' Compensation Massachusetts Workers' Compensation Michigan Workers' Compensation Minnesota Workers' Compensation Mississippi Workers' Compensation Missouri Workers' Compensation Montana Workers' Compensation Nebraska Workers' Compensation Nevada Workers' Compensation New Hampshire Workers' Compensation New Jersey Workers' Compensation New Mexico Workers' Compensation New York Workers' Compensation North Carolina Workers' Compensation Oklahoma Workers' Compensation Oregon Workers' Compensation Pennsylvania Workers' Compensation Rhode Island Workers' Compensation South Carolina Workers' Compensation South Dakota Workers' Compensation Tennessee Workers' Compensation Texas Workers' Compensation Utah Workers' Compensation Vermont Workers' Compensation Virginia Workers' Compensation Washington DC Workers' Compensation West Virginia Workers' Compensation Wisconsin Workers' Compensation CT DE MD RI DC Need Workers’ Comp Insurance? Start Quote More Answers to Frequently Asked Workers' Comp Insurance Questions How Is Workers' Comp Calculated? How Much Does Workers’ Comp Insurance Cost? How to Get Workers’ Compensation Insurance Workers’ Compensation Definition & FAQs Customer Reviews “The Hartford helped process my claim and find the medical help that was needed in a timely manner. My representative explained the process every step of the way.” Melissa “Excellent customer service. I was able to get all of my questions answered immediately.” Rosa “I was very pleased with the experience I had with filing a claim. Everyone was so informative.” Elaine Additional Content Is the Opioid Epidemic Impacting Your Businesses? Tips to help you better understand how drug addiction can impact your employees. How Workers’ Comp Insurance Protects Your Business Three ways workers’ comp can help protect your employees and your business. Advantages of Pay-As-You-Go Workers’ Comp Pay-as-you-go workers’ comp is getting more popular. See how it can help your business. Other Business Coverages The Hartford offers insurance coverages for companies large and small. Select Coverage Business Owner's Policy General Liability Insurance Workers' Compensation Insurance Business Income Insurance Commercial Auto Insurance Commercial Flood Insurance Commercial Property Insurance Commercial Umbrella Insurance Cyber Insurance Employment Practices Liability Home-Based Business Insurance Loss Sensitive Solutions Management Liability Insurance Marine Insurance Multinational Insurance Professional Liability Insurance Risk Engineering Surety & Fidelity Bonds Last Updated: October 8, 2021 PRODUCTS Auto Home Business Employee Benefits Mutual Funds COMPANY About Us Careers Agents & Producers Newsroom Investor Relations Mobile App CONNECT Contact Us Report a Claim Find an Agent Small Business Playbook Small Biz Ahead Extra Mile LifeLime Twitter Facebook Linkedin YouTube Privacy Policy Legal Notice Accessibility Statement Producer Compensation EEO © 2021 The Hartford 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.