Workers’ compensation insurance can help protect
your business and employees in events such as these:
- An employee slips on ice, injures himself while
walking up the stairs to the office, and requires an
emergency room visit and weeks of recovery time.
- An employee injures her back lifting a box of
printer paper and requires a doctor’s attention,
medication and physical therapy.
- An employee returning to the office from
visiting a client is injured in a car accident and
With workers’ compensation insurance, The Hartford
will help pay for the medical expenses needed to
treat these job related injuries and illnesses.
Workers’ compensation will also help employees keep
their income while they take time off to recover.
Find out how you help your business and your
employees by getting a quote today.
Am I required to have Workers’ Compensation
Workers' compensation insurance is required by law
in most states and each state's requirements can
vary significantly. Specialists at The Hartford can
help explain the specific obligations required by
each state and help ensure businesses get the
coverage they need.
How Workers’ Compensation works.
When employees suffer a work related injury or
illness, The Hartford Workers' Compensation
protection helps cover wages and medical benefits
and gives them access to experienced, caring
professionals at every step of their recovery.
We have programs designed to support companies,
promote employee safety and well-being and help get
personnel back to work as soon as reasonably
possible; or if necessary, to other transitional
work, and possibly training for new skills. If an
employee can't return to work, the coverage can
provide a long-term benefit.
The advantages of coverage from The Hartford
- Preferred Medical Provider Network: Employees
can tap into our nationwide network of more than one
million providers experienced in treating workplace
- Prescription Drug Features: More
than 65,000 participating pharmacies throughout the
US are available to fill prescriptions, usually with
no out-of-pocket expense to the injured worker. The
convenience of mail order service is just a phone
call or click away.
- Nursed Back to Health: The
Hartford provides highly experienced nurse case
managers to help coordinate care and treatment along
with physical, emotional and occupational therapies.
- Pay-as-You-Go Billing Solutions: Our
pay-as-you-go workers’ compensation billing solution
bases premium payments on actual payroll, which can
help you manage cash flow and reduce audit