Best Workers' Compensation Insurance

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How to Find the Best Workers’ Comp Insurance

Workers’ compensation insurance provides benefits to your employees if they get a work-related injury or illness. The best workers’ compensation insurance helps pay for your employee’s medical expenses. It can also help replace some of their lost wages if they take time away to recover from a work-related injury or illness.
Most states require this type of business insurance. Employers need to review different workers’ compensation laws by state that detail which businesses need coverage. To make sure you’re following the laws in your state, you should consider buying workers’ compensation insurance from a:
  • State-run agency
  • Private insurance carrier
  • Monopolistic state agency, if applicable in your state
When you’re choosing your workers’ comp provider or insurance company, it’s important to know your state’s requirements.

Factors to Consider When Reviewing the Best Insurance Companies for Workers’ Compensation

Choosing the best insurance company for your workers’ comp policy depends on several factors. When you’re trying to find the best insurance company to work with, think about:

Cross-State Coverage Policies

best workers' compensation insuranceCross-state coverage can help protect your business if your employees work in another state. Workers’ compensation coverage from The Hartford allows you to extend coverage to another state if you provide notification within 30 days.
Your workers’ comp coverage may not include stop gap coverage if you’re in a monopolistic state, such as North Dakota, Ohio, Washington y Wyoming. Stop gap coverage protects employers from getting sued for work-related injuries and illnesses. If you’re not in a monopolistic state, your workers’ comp coverage likely includes stop gap coverage.

Flexible Payment Options

When you get a workers’ comp policy, you’ll have to pay a premium, also known as your cost for insurance. We offer small business owners two options to pay their small business workers’ comp costs:
  • Annual payments
  • Pay as you go
Pay-as-you-go workers’ compensation lets you make monthly payments for your workers’ comp coverage which can be a great option for new businesses that don’t have enough cash on hand to make one large payment. It also lets you consolidate your workers’ comp payment with other insurance payments. Click the image below to check out an infographic.
best workers' comp insurance

Bundling Options Offered by the Insurance Company

Not every small business is the same. Working with an insurance company that understands that is important. At The Hartford, we work with small businesses to help get them the insurance coverages they need.
Some insurance companies also offer discounts for bundling different coverages. With The Hartford, you can bundle your workers’ comp policy with:

Network of Healthcare Providers

A workers’ comp program typically includes a network of healthcare providers. If one of your employees has a work-related injury or illness, they can get treatment from a doctor in this network.
With The Hartford, your employees have access to our preferred medical provider network, which has:
  • Over 1 million providers with extensive work-related injury experience
  • More than 65,000 pharmacy locations
Having access to a large network of healthcare providers means your employees can easily find an expert to treat their injuries or illnesses.

Financial Ability to Pay Claims

best insurance companies for workers' compensationYou want to be sure your insurance carrier can pay claims and provide necessary benefits for work-related injuries or illnesses. That’s why checking the insurance carrier’s claims process and ratings is important when choosing a workers’ comp provider. Third-party ratings, such as Moody’s or AM Best, can help you get a better financial picture of the insurance company. As of September 2019, A.M. Best rates The Hartford’s financial strength as an A+. This means we have a “superior ability” to meet insurance obligations.1

Positive Customer and Third-Party Reviews

Don’t forget to also check customer reviews when choosing a workers’ comp provider. Customer and third-party reviews are a good way to see what people think of the insurance company. At The Hartford, our customers rate us 4.8 out of 5 stars for their workers’ comp claims experience.* Reading these workers’ compensation insurance reviews can give you an idea of what it would be like if you have to file a claim for an injured employee.
We’re backed by over 200 years of experience and we have a team of specialists dedicated to serving you. They can help walk you through the claims process and answer any questions you have.

Know the Workers’ Compensation Requirements in Your State

When you’re looking for workers’ compensation insurance, make sure the insurance company you’re considering provides coverage in the states your business and employees are in.
To get the best workers’ compensation insurance for your business, you need to know what’s required in your state. Most states require you to have workers’ comp coverage, but depending where you live, you might have different regulations.
How you buy workers’ comp can be different in each state. Businesses in North Dakota, Ohio, Washington and Wyoming need to get coverage through a monopolistic state agency. Read more on how to get workers’ compensation insurance and the places you can get coverage.

Get a Workers’ Compensation Insurance Quote

Carrying workers’ compensation insurance means you can help your employees if they get hurt or sick from their job. We understand the unique risks small businesses face and our small business insurance team can help drive you, your employees and your business forward. Get an insurance quote today o póngase en contacto con un agente de seguros to get workers’ comp insurance for your business.
Última actualización: 10 de mayo de 2024
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* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.