Employee Benefits Support Workforce Well‑Being and Business Continuity

A business owner pleased with their employee benefits coverage

Rising Customer Injury Claims Highlight the Value of Employee Benefits

As customer injury claims rise, small businesses face growing operational and financial strain, reinforcing the value of employee benefits that support workforce well‑being and business continuity.
A business owner pleased with their employee benefits coverage
The Hartford’s Small Business Insurance recently released an analysis of small business common property and general liability claims from 2020 to 2025. Among the most notable findings is the sharp rise in customer slips and falls, as well as customer injury claims. These incidents have doubled in frequency, from 10% of claims in 2015 to 20% in 2025. Their average cost has also increased dramatically, climbing from $20,000 to $45,000.1
 
While the rise in customer slip, fall and injury claims is a financial concern for small businesses, it’s also a reminder that no workplace is 100% safe. Incidents that involve customer injuries can also have an impact on the small business workforce, affecting morale, productivity and day-to-day operations. This growing trend highlights the need for strong safety measures and overall employee benefits protections.
 
Employee Benefits solutions from The Hartford can offer peace of mind for small businesses, with coverage options that can help protect their employees financially. Simultaneously, these solutions can help employers maintain business continuity as they deal with the complexities of running their business. By pairing strong safety practices with comprehensive employee benefit offerings, smaller businesses can take a holistic approach to the overall wellness of their company and workforce.
 
The Hartford has more than 90,000 active employee benefits policies covering nearly 1 million working Americans.2 Our insurance solutions include:
 
  • Life and disability insurance coverage
  • Leave of absence under state mandated paid family and medical leave coverages
  • Supplemental health3 coverage
  • Dental and vision coverage for our customers with fewer than 100 employees through Beam Benefits
Many small businesses can benefit from comprehensive employee benefit packages. When employers prioritize employee well-being and take steps to protect their business from general liability risk, they can support the reduction of injury and liability claims while fostering a strong culture of caring.
 
Based on our 60 years of serving small to midsize businesses, we understand the unique pressures companies and their employees face. That’s why we’ve developed benefit solutions tailored to their size, needs and workforce. Our trusted approach in this segment continues to drive growth and deliver an outstanding persistency rate of over 90%.
 
For more information on how The Hartford's employee benefits can help protect your clients, contact your representative today.

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1 Information outlined in the 2015 release was based on an analysis of five years of claims data (2010 to 2014) from more than 1 million of The Hartford Business Owner’s policies, viewed March 2026.
 
2 The Hartford Internal Data 2019 to 2025, viewed March 2026.
 
3 Supplemental Health products (Accident, Critical Illness and Hospital Indemnity) are independent and do not coordinate with any other health coverage.
 
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The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company, under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at https://www.thehartford.com.