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• Workers' Compensation
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On-the-job injuries and illnesses are always worrisome for any organization. But with The Hartford's plan for workers' compensation coverage you'll be confident that you can protect your employees, and manage the expense when an accidental illness or injury occurs.

Here's what you'll find particularly appealing about The Hartford's workers' compensation coverage over other competing insurers.

Broader coverage over the industry standard form. At no extra cost (above what is approved by regulators), we expand our Basic Broad form to include six valuable coverages.	Reimbursement for your reasonable expenses, including loss of earnings, incurred on your behalf in connection with a claim, proceeding or lawsuit. Employer's liability stopgap, for states where workers' compensation is provided by a monopolistic state fund. Voluntary compensation, for your employees who are not covered by state statute. Sixty days, versus the industry standard of 30 days, to notify us to add states where you have operations. Transfer of rights and duties notification is extended to 60 days. Cancellation notice period is extended to fifteen (15) days.
More comprehensive coverage in our Extended Broad Form: At only a nominal charge, we add five important extensions, including:	Employer's liability insurance limit is increased to $500,000 Unintentional failure to disclose hazards, which gives you the assurance that you won't be denied coverage because you unintentionally failed to disclose all existing hazards to us. Waiver of our rights to recover from others for an injury to your workers in those instances where you perform work for the other party and have a written contract with the other party requiring such a waiver. Foreign voluntary compensation to protect your employees who suffer employment-related injuries or disease while traveling on business outside the United States. Longshore and harbor workers' compensation to cover your obligation to provide federal benefits if an employee should unexpectedly be found subject to the U.S. Longshore and Harbor Workers' Act.
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Here are a number of ways your organization can limit workers' comp losses.