The Hartford Workers' Compensation Insurance Comparison


The Hartford offers superior coverage for employers
Learn more about how Hartford's standard Broad Coverage and Extended Coverage options are designed to help better protect your business and maximize coverage value. Or give us a call at 888-611-7467, to learn how The Hartford can help your small business.

Comparing The Hartford to Industry Standards

Basic Insurance Coverage Package
Coverage Features The Hartford Industry Standard
Pay for reasonable expenses including loss of earnings Covered Not covered
Voluntary compensation Covered By endorsement only
Stop gap coverage for employer liability if working in a monopolistic state. Covered By endorsement only
Other state notification 60 days 30 days
Transfer of rights and duties notification 60 days 30 days
Cancellation notice 15 days 10 days
* See detailed coverage explanations and examples below.
Extended Coverage (3% Additional Over Standard Premium)
Coverage Features The Hartford Industry Standard
Employer's liability insurance 500,000/500,000/500,000 100,000/100,000/500,000
Unintentional failure to disclose hazards Stated Not stated
Waiver of right to recover from others Covered By endorsement only
Foreign voluntary compensation Covered By endorsement only
Longshore and Harbor workers compensation (USLI coverage) Covered By endorsement only

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TOP SELLING INDUSTRIES
  • IT Services & Sales
  • Landscaping & Lawn Care
  • Restaurants & Coffee Bars
  • Retail Stores
  • Doctors & Healthcare Services
  • Advertising & Design Professionals
  • Automotive Repair Services
  • Professional Installers
  • Nonprofit Organization
  • Manufacturing
  • Real Estate & Mortgage Brokers
  • Salons & Spas
  • Wholesalers
  • Contractors
LINES OF COVERAGE
  • Workers Compensation
  • General Liability
  • Professional Liability
  • Property Insurance
  • Auto Coverage
  • Inland Marine
  • Business Owners Policy (BOP)
  • Errors and Omissions (E&O)

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Basic and Extended Broad Coverage Examples for The Hartford
Paying for Additional Reasonable Expenses Including Loss of Earnings

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.

Voluntary Compensation

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.

Employer Liability Stop Gap

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 The Hartford.

Other States Notification

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.

Transfer of Rights and Duties Notification

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.

Cancellation Notice

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.

Extended Option Examples for The Hartford
Employers' Liability Insurance

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).

Unintentional Failure to Disclose Hazard

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 covered.

Waiver of Rights to Recover from Others

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.

Foreign Voluntary Coverage

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 coverage.

Longshore and Harbor Workers Compensation (USLI Coverage)

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.

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The Hartford

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.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.
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