Workers' Compensation

If you have one or more employees, you probably need workers' compensation ("workers' comp") insurance – most states require it. Without it, you may be held personally liable for the cost of your employees' medical care for a work-related injury or illness and even their wages while they’re recovering. Not to mention, some states have laws with fines for failing to purchase coverage.

The laws vary by state, but full-time and part-time employees are generally covered by workers' comp. In some states, business owners, partners and officers must be covered too. Also, keep in mind that the definition of "employee" can vary by state. If you use subcontractors, it’s important to find out whether they’re considered employees. If you've issued your sub, or anyone else, a 1099, they may be eligible for coverage under your workers' comp policy.

Workers' comp provides benefits to your employees for work-related injuries or illnesses. And depending on the state you do business in, it could include medical care, wages from lost work time, rehab, disability benefits and survivor or death benefits. And, if one of your workers gets hurt on the job and their family decides to sue you, workers' comp can help you with related legal fees and more.

Providing workers' comp coverage for more than a century, The Hartford's program sets the standard for value, innovation and injured worker care.

More reasons to choose The Hartford:

• Their approach to sharps and needlestick injuries also helps cover initial testing of the source patient; not only the injured worker, as is the case with some insurance companies.
• Availability of premium payment options that offer cash flow advantages.
• Access to products and services, at significant discounts, that could help improve the health of your practice and your employees. Like slip resistant footwear – ideal for healthcare workers who spend lots of time on their feet and on surfaces that can be slick.
• Among the broadest protection available since their policy automatically includes six additional coverages, at no additional cost, giving you more for your insurance dollar. For example, The Hartford will help pay for reasonable expenses, including loss of earnings, incurred at their request as part of any claim, suit or proceeding they defend. These are expenses not generally covered by a workers’ compensation policy.