Pay-As-You-Go Billing Solutions

Many small business owners face administrative challenges when it comes to managing their workers' compensation premiums. To help ease the burden, The Hartford offers payroll billing solutions that allow your business customers to match their premium payments to actual payroll amounts and pay periods. This can help seamlessly administer benefits by:

• Reducing large premium down payments
• Managing cash flows
• Potentially minimizing audit surprises by basing workers' compensation premium charges on actual, real-time payroll

There are no checks to write. The Hartford automatically withdraws the customers' premium from their bank account.

The Hartford's above-average coverage and easy service solutions allow your customers to spend more time on what's most important to them — their business.

More Than Standard Protection

With a workers' compensation policy from The Hartford, the basic broad form endorsement is automatically included at no additional cost. It is designed to protect businesses from unknown and unanticipated exposures that aren't covered by a standard workers' compensation policy.

Quality Coverages

• Reimbursement for reasonable defense expenses incurred in connection with a claim proceeding or lawsuit
• Employers' liability stop-gap coverage in monopolistic states where several carriers offer similar but slightly differentiated products
• Voluntary compensation coverage for employees that are not subject to workers' compensation law
• 60 business days, instead of the standard 30, to notify The Hartford to add states where new operations have been set up

Quality Care for Employees

You can rely on these resources from The Hartford to ensure injured employees receive quality care — and can come back to work as soon as possible:

• Preferred medical provider networks with more than 500,000 doctors and facilities countrywide
• Pharmacy benefit management through nearly 53,000 pharmacies countrywide
• Nurse case managers with expertise on lost time and medically complex claims
• Team•Work^SM, a unique return-to-work approach for finding transitional duties that suit a recovering worker's abilities

Especially for Outpatient Health Care

Estimates indicate that each year, one in 10 healthcare workers is accidentally stuck by a contaminated sharp, mostly needlesticks. Sharps injuries may result in life threatening HIV, Hepatitis B or Hepatitis C infections.

The Hartford's Workers' Compensation policy covers payment for initial testing of your employee and, when the source patient agrees, reimburses for testing the source patient. Not all companies cover these costs.

Importantly, if testing reveals the source patient has a blood-borne disease, The Hartford's Workers' Compensation program will work with the employee to obtain preventative treatment in accordance with Center of Disease Control guidelines.

Making It Easy for You to Do Business

Save time. Increase efficiency. Work more profitably. That's what The Hartford's ICON tool is designed to do for you, the agent.

ICON makes it easy to quote and submit new business electronically for all of The Hartford's small business products. For workers' comp submissions, we've recently launched a new quoting and placement experience that is absolutely FAB! It will help you save more time than ever:

• A new streamlined process makes ICON easier to use and helps ensure the accuracy of your submissions
• Workers' compensation quotes generated with ICON are now bindable, giving you and your customers quotes you can bank on while speeding up policy issuance

Look for these same enhancements for The Hartford's Spectrum policy in 2013 to be followed by Commercial Auto.