Protect your business from employee injuries and illnesses – all for as low as $13 a month.1
200+
Years Proudly Serving Our Customers
1.5MM+
Small Business Customers
14 veces
Rated World's Most Ethical Company by Ethisphere**
How Much Is Workers’ Compensation Insurance?
Most of The Hartford’s customers with less than $300,000 in payroll pay an average of $81 a month for workers’ compensation insurance.2 Some policies can start as low as $13 a month.3
Workers’ comp costs vary since every business is unique. The best way to find out your cost is to obtener una cotización.
Do I Need Workers' Comp Insurance Coverage?
Take this simple three question quiz to find out.
What industry are you in?
Type keywords that best describe your business and select the closest match.
Please select state.
Do you have any employees?
Business owners should exclude themselves.
Yes, workers' compensation insurance is required if you have at least one employee.
Get a free online quote to calculate how much workers' compensation coverage will cost your business.
No, workers' compensation insurance is not required for you.
However, your business may need other types of coverage to protect against risks such as property damage, bodily injury or mistakes in the professional services provided.
Yes, workers' compensation insurance is required if you have at least two employees.
Get a free online quote to calculate how much workers' compensation coverage will cost your business.
Yes, workers' compensation insurance is required if you have at least three employees.
Get a free online quote to calculate how much workers' compensation coverage will cost your business.
Yes, workers' compensation insurance is required if you have at least four employees.
Get a free online quote to calculate how much workers' compensation coverage will cost your business.
Yes, workers' compensation insurance is required if you have at least five employees.
Get a free online quote to calculate how much workers' compensation coverage will cost your business.
No, workers' compensation insurance is not required for you.
However, it's still a good idea to have it so you'll be prepared for the unexpected. If your employee gets hurt or sick from their work, workers' comp can help them recover and return to their job.
Yes, workers' compensation insurance is required if you have at least one employee.
However, coverage in your state can only be purchased from a state-run program, not a private insurance company like The Hartford.
Yes, workers' compensation insurance is required if you have at least one employee.
However, coverage in your state can only be purchased from a state-run program, not a private insurance company like The Hartford.
Yes, workers' compensation insurance is required if you have at least one employee.
However, coverage in your state can only be purchased from a state-run program, not a private insurance company like The Hartford.
Yes, workers' compensation insurance is required if you have at least one employee.
However, coverage in your state can only be purchased from a state-run program, not a private insurance company like The Hartford.
Who Needs Workers’ Compensation Insurance?
Nearly all businesses with employees need workers’ compensation coverage, but some of the most common industries are:
Benefits of The Hartford’s Workers’ Compensation for Employers and Employees
We know getting workers’ compensation insurance can feel complicated. That’s why we designed our product to make it easier on business owners. We offer services like pay-as-you-go workers’ comp, so you can pay your premium based on your actual payroll. That means a more accurate bill, not an estimate.
We’ve created an easy-to-use digital platform to help, update and provide options for your injured employees: My Workers’ Comp Connection
Injured workers can get information about the workers’ comp process, learn about coverage and get information about their claim handler in real time. Our portal also allows your employee to:
- Check the status of their claim
- Review payments
- Sign up for direct deposit****
- Get medical services card
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 requirements. Or you can browse all states workers’ comp insurance coverages.
More Answers to Frequently Asked Workers' Comp Insurance Questions
Last Updated: October 2, 2024
1,2,3,4 Premium amounts presented are based on monthly premium paid by The Hartford’s Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
** “World’s Most Ethical Companies” and “Ethisphere” names are registered trademarks of Ethisphere LLC.
*** 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.
**** Direct deposit is not available in all states.
Divulgaciones adicionales a continuación.