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A store owner is preparing for an employee workers compensation claim
hearing and needs to be away from the store. Therefore, the owner schedules
an additional store employee while they are out. The expense of paying the
additional staff during this time frame would be covered.
A thunderstorm strikes unexpectedly and a shop owner needs to move
merchandise inside right away. A friend or casual employee helps to move the
merchandise and injures her back. The injury is covered.
A sales rep is on their way to a seminar or sales meeting and driving
through a monopolistic state such as Ohio, Washington, North Dakota, or
Wyoming. The driver has an accident due to faulty breaks and files a suit in
Ohio against the employer claiming negligence. The employer is covered with
A consulting firm is working on its first out-of-state job on the effective
date of the policy, but forgot to notify his agent until 60 days after the
job started. Coverage would still be in effect because the policy
endorsement extends the reporting requirement from 30 to 60 days in any
state as listed in Section 3A of the policy information page.
A restaurant owner dies and one of his children and legal representatives
takes over management until she can find a buyer for the business. The
Hartford does not learn about the owner's death until 60 days later because
a claim is filed. However, since the reporting requirement is extended from
30 to 60 days under the Broad Form, the claim is not an issue.
An employer's policy is cancelled during an agent's busiest month. Since The
Hartford advance notification of cancellation is 15 days instead of 10 days,
the agent has more time to find replacement coverage for the employer.
An employee injures himself and believes the manufacturing company he works
for negligent because some equipment was not functioning properly. The
employee seeks damages through tort law suing for $500,000 in damages. The
workers compensation extended coverage option with increased limits of
$500,000 for bodily injury by accident/each accident will cover this
exposure (as compared to the $100,000 limit for the industry standard).
An employee get burned with a hazardous chemical while cleaning a storage
area. The employee was not aware that the chemical was still on the
premises, and, therefore did not specify it on the Acord 130 application.
Because the employer did no intended to misled The Hartford, the claim is
A wholesale distributor delivers goods to a retail chain that requires the
wholesaler to waive its right to recover against them if their employee is
injured in the store. The Hartford's extended coverage form allows the
wholesaler to waive its rights to recover and continue to act as a supplier.
The VP of marketing for a fast growing franchise makes her first business
trip to South America to speak at a franchise conference. Workers
compensation coverage is still in place under The Hartford's extended
A restaurant caterer has an employee injured while serving dinner on a
yacht, rented for a dinner party. The extended broad form endorsement
provides coverage for the potential Longshore and Harbor workers
compensation exposure of the employer.
Call One of our Workers' Comp Specialists at 888-611-7467, or
Find your best workers compensation quotes. It takes 3 minutes.
The Hartford was founded in 1810 and employs over 17,000 professionals throughout
the United States. There annual revenue is approximately $18 billion and they have
more than 100 offices throughout the U.S.
The Hartford consistently ranks in the top 3 workers' compensation insurance
companies based on direct written premium and is one of the largest carrier in the
country. They are in the top 10 in nearly all major P&C categories.
The Hartford provides coverage for over one million small to mid-sized businesses
and has won numerous awards as one of the world's most ethical companies by
Ethisphere Institute. They are a Fortune 500 company.