Thomson Reuters Partnership

Do More For Your Workers' Comp Clients

Thomson Reuters Thomson Reuters has selected The Hartford as a preferred partner to offer quality business insurance coverage through our XactPAY® pay-as-you-go workers’ compensation insurance. Exclusively for Thomson Reuters users, The Hartford offers a dedicated licensed insurance specialist to work with you and your clients on their business insurance needs.
 
Since The Hartford pioneered pay-as-you-go workers’ compensation billing over 15 years ago, 90,000+ policyholders have benefited. With our XactPAY® solution, your clients can pay their workers’ comp coverage as their payroll is processed. This gives them better control over their cash flow.
 
Learn More About Small Business Insurance From The Hartford
It’s “on-the-job” insurance for injured workers.
 
The idea behind workers’ compensation is simple. It’s a state-mandated, “no fault” insurance system that pays benefits to workers injured on the job. In return, employers generally receive immunity from civil lawsuits by employees over such workplace injuries.
 
Workers' compensation insurance coverage provides an injured employee with payments for:
 
  • Lost wages
  • Medical bills
  • Vocational rehabilitation
  • Partial disability
  • Death benefits
Health insurance is not a substitute when an employee gets hurt on the job, or has a work-related illness. Workers’ compensation provides primary coverage and only workers’ comp covers certain aspects of the injured worker’s claim. For example, health insurance does not cover employee’s lost pay, nor does it offer death or disability benefits.
Our latest research shows that small business owners view the insurance experience as a balancing act between purchasing coverage that’s just right for their business needs – i.e. not too much, not too little – and finding coverage at a price they can afford. With The Hartford, you can purchase the right amount of affordable coverage for your unique business needs.

The Hartford offers two insurance coverages critical to most small businesses: business property and business liability together in one policy, our Business Owner's Policy (BOP). This convenient policy can protect your business against fire, theft, lawsuits and more.

Key optional coverages most businesses consider adding are:
 
 
  • Income loss is the primary reason most businesses do not open after a serious loss
    55% of small businesses report not having business income insurance1
  • The median cost of downtime from a business affected by an extreme weather event is $3,000 a day2
  • This coverage provides income for ongoing expenses while your business recovers
  • Business Income for Off-Premises Utility Services can be added as optional coverage
  • Optional coverage includes $25,000 coverage limit and only a12-hour waiting period after a loss before the coverage kicks in
 
  • 1 out of every 3 data breaches investigated in 2012 happened to small businesses3
  • The average cost of a data breach was $188 per breached record in 20124
  • This endorsement includes access to resources to help prevent data breaches and specialized assistance to help if one occurs
According to our research, business owners worry about finding the right auto coverage, maintaining their rates over time and avoiding hassles when it comes time to make a claim.
 
With The Hartford, you can get the right auto coverage for your business as well as an excellent claims experience if the time comes.
 
With business auto coverage from The Hartford, you get:

  • A broad form endorsement – automatically added to every policy at no additional cost – providing critical coverages such as Loan Lease Gap, Hybrid Payment and Electronic Equipment (Existing)
  • Accident forgiveness: Fender Bender Forgiveness will eliminate the worry of a small incident driving up rates, and by staying claim free for three years, your next claim will be forgiven
  • New discounts for safety features and for use of telematics devices
1 Percentage is approximate based on the Verizon 2013 Data Breach Investigations Report
 
2 2013 Cost of a Data Breach Study, United States, Ponemon Institute LLC, Report Date: May 2012
 
3 Independent Agent Magazine, June 30, 2011; "How to Sell Business Income Insurance"
 
4 Symantec's 2011 SMB Disaster Preparedness Survey
The Hartford Fire Insurance Company and its affiliates provide the insurance for this program. All coverages and services may not be available for all businesses or in all states.
 
The purchase of The Hartford’s workers' compensation insurance policy is necessary to use XactPAY®.
 
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.
 
Thomson Reuters (Tax & Accounting) Inc. (“TRTA”) is pleased to present the products and services of The Hartford. Geared toward TRTA’s CS Professional Suite and myPay Solutions users, The Hartford’s offerings can enhance your client relationships and make it more profitable, more convenient, and easier to offer payroll services. TRTA does not endorse The Hartford products and services, and TRTA’s CS Professional Suite and myPay Solutions do not require use of The Hartford products or services to perform pursuant to the TRTA product specifications. You assume sole responsibility and the entire risk as to the suitability and results obtained from use of the products and services. The products and services are in no way substitutes for assistance from legal, tax, accounting, or other qualified professionals. If legal advice or other expert assistance is required, the services of a competent professional person should be sought.
 
All marketing materials used by Thomson Reuters entities are licensed by The Hartford. Thomson Reuters entities may also receive a royalty by The Hartford in connection with the Program.
 
Additional disclosures below.
 

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The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
Certain coverages vary by state and may not be available to all businesses. 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. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.