The Hartford

A Safety Net for Employees Injured on the Job

When an employee suffers a work-related injury or illness, it affects your business. With The Hartford you can feel confident that your employees will have access to the medical care and other benefits they may need. And you’ll have a full host of resources and services at your disposal to help make sure your business stays on track.

With The Hartford, your business will have our unique broad form endorsement, designed to protect from unknown and unanticipated exposures that aren’t covered by a standard workers’ compensation policy. We offer two types, basic and extended – so you can choose the endorsement that’s right for your business.

For additional Workers' Compensation information and options, view Details and Services.

All options may not be available for all industries or in all states. For details on what coverages are available to you, contact your Hartford agent today.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described in this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc.

Below is a list of many of our available types of Workers' Compensation coverage.  All options may not be available for all industries or in all states. For details on what coverages are available to you, contact your Hartford agent today.

Lost Wages and Medical Care

Provides injured workers with compensation for lost wages as well as the reasonable cost for necessary medical care and rehabilitation services related to a workers' compensation.

Business Travel Protection

Most workers' compensation policies only provide coverage for the states in which you do business. However, The Hartford's policy extends its workers' compensation coverage to employees who travel on business to other states and in some instances other countries.  If your employees travel on business outside the United States on a regular basis, additional coverage can be obtained to extend your workers' compensation insurance to cover these situations.

Employer's Liability

To recover benefits under your state's workers' compensation law, your employees don't have to prove you were responsible for their employment-related accident or injuries. If they can prove you were liable, they may be able to successfully sue your business to recover damages beyond the workers' compensation benefits. You'll be comforted to know that the employer's liability portion of The Hartford's workers' compensation policy can pay for the damages awarded to your injured employee as well as the legal expenses involved in such a suit. This coverage may also provide certain benefits if you are sued by a third party affected by a workplace injury, such as a family member of the injured worker.

Employer's Liability in Monopolistic States

Some state governments mandate that employers purchase workers' compensation insurance from the state fund. If one of your employees is injured in one of these states and decides to file a workers' compensation claim, coverage is provided by the state fund. As a customer of The Hartford we automatically provide "employer's liability" coverage in monopolistic states to pay for related expenses and damages in the event you’re sued. Other insurers may offer this extended coverage in these states, but only if you specifically request that it be added to your policy.

Legal Expenses

If your business is covered by our workers' compensation policy, The Hartford will pay legal expenses related to a workers' compensation or employer's liability claim. The Hartford will work closely with you in investigating; defending and settling related claims, proceedings and law suits. When appropriate, we will retain an attorney to represent you in such a suit. The Hartford will: pay the cost of defending you in hearings, suits, etc, that result from occurrences covered by workers' compensation; and pay the damages awarded if you are successfully sued because of a job-related injury or disease. 

Third-Party Suits

If your employee is injured in an accident, that employee may try to sue a "third party" (a company other than yours) if they believe that party is somehow responsible for their injury   that third party may sue you if it believes your company is legally liable for the accident. For example, an employee injured while using a piece of equipment may sue the equipment manufacturer for some alleged negligence or faulty design. However, the manufacturer can then turn around and sue your company if they believe the accident was instead caused by your improper maintenance of the equipment. In this situation, the Employer's Liability coverage of your policy is designed to pay any damages awarded by the court to compensate for the bodily injury.

Employers liability coverage pays for other damages the employer may be found legally responsible for due to an employee's injury. These may include wrongful death, damages for care or loss of services, consequential injury to a spouse, child, etc. These would result from a lawsuit filed by the employee or a third party. Because workers' compensation is designed to be a "no-fault" type of coverage, it is usually very difficult for an employer to be found liable for these consequential damages. Generally, the employer would have to intentionally injured an employee or have forced the employee to perform a certain task that would almost certainly injure the employee.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. 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.

As one of the largest workers’ compensation providers in the nation, The Hartford can cover your statutory workers’ compensation obligations in every state where private carriers are permitted to provide this coverage. 

In addition to our extensive and customizable coverage options, The Hartford also offers a range of valuable services to our customers. Speak to your agent to see if these programs are available to you.

Prevent Accidents. Reduce Risk.

As a customer of The Hartford, you’ll have the opportunity to benefit from our valuable risk management services. The Hartford helps provide access to quality care for employees injured on the job, efficiently manage incidents and costs and offer competitive rates. In addition, when appropriate we provide:

• Access to Preferred Medical Provider Networks: offers injured workers access to credentialed doctors and facilities who agree to provide care at negotiated rates. Click here to locate a medical network provider.
• Pharmacy Benefit Management: making it easier for injured workers to get medications for claim-related injuries and to keep prescription drug costs down.
• Nurse Case Managers: with medical experience on managing lost-time and medically complex claims.
• Team*Work. Return-to-Work Program: focusing on injured employees’ abilities and uses transitional duties to help them get back on the job faster.
• Loss Control Services: for access to a variety of services and expertise to help improve workplace safety and prevent further injuries.  Learn more about our Loss Control Services.

Payroll Billing Services

The Hartford offers XactPAY Xpress^SM, a self-reported premium billing solution for our customers that matches workers’ compensation premium payments to your actual payroll amounts and pay periods. It can help seamlessly administer benefits by:

• Reducing large premium down-payments
• Avoiding billing charges
• Managing cash flow
• Potentially minimizing audit surprises by basing your workers’ compensation premium charges on actual, real-time payroll

Fraud Investigations

Fraudulent claims may add to every employer's workers' compensation costs. The Hartford is serious about helping you manage your claim costs and fighting fraud. The Hartford has set up special investigative units dedicated to detecting fraud. Our claim professionals can also tell you on how to spot and handle a potentially fraudulent claim.

Litigation Management

If your business is sued in connection with a Workers' Compensation claim, The Hartford will retain counsel to represent your interests. Where appropriate, counsel will seek alternatives to tradition litigation to resolve the dispute. If litigation is unavoidable, our in-house (Staff Law) attorneys can help expedite a resolution in an efficient and cost-effective manner.

Managed Care Services

To help manage the costs of employer's losses and help employees with work-related injuries access appropriate care. The Hartford applies effective managed care techniques to its handling of workers' compensation cases. Among the managed care services your business may benefit from are:

• Provider Networks — networks of credentialed health care providers who deliver quality services at a discounted rate
• Nurse Case Managers — experienced registered nurses who serve as advocates for injured workers, ensuring they get prompt and appropriate medical care
• Utilization Review — case-by-case determinations of whether requested treatment is medically necessary and appropriate for injured workers
• Medical Bill Review — computerized analysis of all medical bills submitted to detect or identify erroneous charges, duplicate bills and apply appropriate network discounts 
• Return-To-Work Program — a patented program offering tools, forms and guidance to help midsize businesses implement their own successful return-to-work program for injured workers.

Efficient Claims Service When It Matters Most 

When your business suffers a loss, nothing is more important than getting you up and running. We have several regional claim centers staffed by knowledgeable claim professionals. With The Hartford behind you, you’ll have the appropriate protection to help your business needs to succeed. And the dedicated support, resources and expertise you can rely on exactly when you need it most.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. 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.

After over 200 years of helping businesses achieve what’s ahead, The Hartford has proven our commitment and dedication to doing right by our customers. We stand by our promises. And that’s something that you and your business can count on.

Why Choose The Hartford?

We're just not experienced in our business, we're experienced in helping protect yours.   As a result, we go beyond core coverage to provide specialized options and services unique to your industry, line of business and even size.   When you choose The Hartford, you’ll have a broad range of policies, endorsements and add-ons to tailor a coverage plan that speaks to your needs.   We are committed to providing superior customer service to support your business, every step of the way.

From critical business coverages and efficient claims handling to risk management, The Hartford will be by your side.