Workers’ Compensation Insurance

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What Is Workers’ Compensation Insurance?

Workers' compensation insurance gives employees medical, wage and other financial benefits if they are injured or become ill on the job. This coverage is required in most states. Workers' compensation insurance is also known as workman's comp or workers' comp insurance.
employee recovering from work-related injury with workers’ comp

What Does Workers' Compensation Insurance Cover?

Workers’ compensation insurance helps your employees recover from work-related injuries and illnesses so they can get back to work faster. Workers’ comp benefits can help:
  • Cover medical care and medical treatment
  • Replace most of their lost wages if they take time off from work to recover
  • Provide disability benefits
  • Give death benefits, like helping pay for a funeral if they lose their life in a work accident or from a job-related illness
Workers’ comp coverage also has benefits for small business owners. For example, it includes liability insurance coverage. So, if your business faces lawsuits from injured workers or their families, workers’ comp can help pay for your legal costs.

Common Questions About Workers' Comp

Workers’ compensation helps your employees recover from work-related injuries or illnesses. It can help if your workers:
  • Trip while walking up the stairs in your office
  • Develop carpal tunnel syndrome from poor typing habits
  • Get hurt in a car accident on their way to visit a client
It can also help pay to train your employees for new roles if they can’t return to their old roles. And, if they can’t return to work at all, workers’ compensation coverage can provide long-term disability benefits.
Most states have workers' compensation requirements. Not carrying workers' compensation can lead to significant fines and penalties. The laws vary by state and can include exclusions for certain types of employees.
For example, workers classified as federal employees get coverage through a program administered by the Department of Labor.
Almost all businesses need workers’ compensation coverage, but the most common are:
  • Healthcare
  • Manufacturing
  • Restaurants
  • Retailers
  • Contractors
We’ve designed our programs to support small businesses and we’re here to help promote your employees’ safety and well-being, helping them return to work as soon as possible.

The Advantages of Workers’ Comp From The Hartford:

Your employees have access to over 1 million providers experienced in treating workplace injuries.
Your employees have access to more than 65,000 U.S. pharmacies to fill a prescription, usually with no out-of-pocket expenses, plus convenient mail-order service.
If your worker gets hurt with a needle, this helps cover medical expenses and pays for the initial testing of your employee and their patient. It can also reimburse your employee for additional testing.
Highly experienced nurse case managers work with your employees to help coordinate healthcare and treatment. They can also help with physical, emotional and occupational therapies.
Pay your premiums based on your business’ actual payroll, instead of an estimate.

How Much Is Workers’ Compensation Insurance?

Workers’ compensation insurance costs vary. But according to our policy data, most of our customers with less than $300,000 in payroll pay an average of $70 a month.2 Some policies can start as low as $13 a month.3 Of course, this is for customers with The Hartford. Workers’ comp quotes will vary in price, but you can see how much you’ll pay by getting a quote online today.
Average Monthly Workers' Compensation Cost for The Hartford's Customers:4
For payroll amount:
Approximate Monthly Cost
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An insurance company uses different factors to come up with workers’ comp rates. This can include your business’:
  • Payroll
  • Industry
  • Employees’ type of work
  • Claims history
The National Council on Compensation Insurance assigns classification codes based on the type of job workers do. If your business has a history of claims, this could increase your cost for coverage.
You can use this formula to estimate your workers’ comp insurance cost:
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Blues City Deli – Vince Valenza
Vince Valenza, owner of Blues City Deli in St. Louis, talks about the importance of having workers’ comp coverage.

Your State’s Workers’ Comp Laws

Workers’ compensation laws vary by state. Select a state using the map or dropdown menu and learn about its workers’ compensation system. Or browse all states workers’ comp insurance coverages.
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Need Workers’ Comp Insurance?

You try to run your business as safely as possible, but workplace accidents and employee sickness on the job happens often. We’re here to help your employees through their injuries and get them back to work faster.
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We offer insurance coverages for companies of all sizes – large and small.
Last Updated: June 26, 2023
1,2,3,4 Premium amounts presented are based on monthly premium paid by The Hartford’s Small Business customers between 1/1/21 and 12/31/21 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
*** This is a simplified calculation for educational purposes only. Actual premium calculations can be more complex. Experience mods are subject to state requirements and do not apply to every policy.
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
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. listed in the Legal Notice.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.