Seguro de compensación para trabajadores

small business protected by workers compensation insurance
200+
Years Proudly Serving Our Customers
1.5MM+
Small Business Customers
14 veces
Rated World's Most Ethical Company by Ethisphere**
what is workers comp insurance video

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance, also known as workers’ comp or workman’s comp, gives employees medical, wage and other benefits if they have a work-related injury or illness. Most states require this type of coverage if you have employees.

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.
Average Monthly Workers' Compensation Cost for The Hartford's Customers:4
Para monto del sueldo:
Approximate Monthly Cost
~ ?

The Advantages of Workers’ Comp From The Hartford

Preferred Medical Provider Network

Access to over 1 million providers experienced in treating workplace injuries.

Prescription Drug Features

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.

Needle Stick Reimbursement Program

Helps cover medical expenses and the initial testing of your employee and their patient if your worker gets hurt from a needle. It can also reimburse your employee for additional testing.

Nursed Back to Health Program

Highly experienced nurse case managers work with your employees to coordinate health care and treatment.

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.
Ir

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
Workers’ compensation insurance can help cover an employee’s:
 
  • Medical bills
  • Ongoing care costs
  • Lost wages
  • Disability benefits
This coverage can also help pay to train employees for new roles if they can’t return to their old ones. If they can’t return to work at all, this insurance can provide long-term disability benefits.
 
Más información sobre what workers’ compensation covers.
Some situations take place on the job and outside of work that aren’t covered by workers’ compensation insurance. A few examples of what most workers’ compensation plans don’t cover include:
 
  • Injuries received by a fight that an employee started.
  • Injuries an employee sustains due to being intoxicated in the workplace.
  • Injuries an employee gets intentionally.
  • Emotional injuries that aren’t accompanied by a physical workplace trauma.
Workers’ compensation insurance helps your employees recover from work-related injuries or 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 to help pay for a funeral if they lose their life in a work accident or from a job-related illness.
  • Cover costs related to a lawsuit from an employee’s work-related injury or illness.
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.
Insurance companies use different factors to determine workers’ compensation rates. This can include your business’:
 
  • Nómina de Sueldos
  • Industria
  • Employees’ type of work
  • Claims history
The National Council on Compensation Insurance (NCCI) assigns classification codes based on the type of job workers do. Jobs with a higher risk of injury can increase your insurance cost. If your business has a history of claims, this could also increase your cost for coverage.
 
You can use this formula to estimate your workers’ comp insurance cost:
 
formula for estimating your workers’ comp insurance cost
If you have workers’ compensation insurance, your employees are covered. Several factors, like specific roles and the size of your business, can help determine which employees need workers’ compensation coverage. The requirements for workers’ comp coverage will vary by state, but most require workers’ compensation insurance for full-time employees.
If you’re self-employed or a sole proprietor, your state laws may not require you to buy workers’ compensation insurance for your business. Workers’ comp coverage could still be helpful to have, because your usual health insurance may not cover medical costs associated with a work-related injury. Coverage requirements vary depending on the state you’re located in, so be sure to check with your local laws to find out what you’ll need.
Workers’ compensation is typically used for employer-to-employee relationships, but it can also apply to independent contractors, too. If you work as a general contractor or a subcontractor, you may have to buy workers’ comp insurance if the contract you signed requires it. If you own a small business that hires contractors, keep in mind that any employee who accepts workers’ comp benefits loses the ability to sue your business for damages.
 
 
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.
 
 
*** 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.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
 
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
 
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. 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 Aviso legal.
 
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.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.