The Hartford Workers' Compensation Insurance

The Hartford Financial Services Group traces its roots to 1810, when the Hartford Fire Insurance Company was chartered in Hartford, Connecticut, making it one of the oldest continuously operating insurers in the United States. Today the group operates as The Hartford Insurance Group, Inc., a publicly traded company (NYSE: HIG) with operations spanning commercial lines, personal lines, and group benefits. Hartford Fire Insurance Company and its principal property-casualty subsidiaries carry an AM Best Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of aa (Superior), affirmed July 22, 2026, with a stable outlook; the ultimate parent holding company carries a separate Long-Term Issuer Credit Rating of a (Excellent).

The Hartford is one of the largest writers of workers' compensation insurance in the United States, serving businesses ranging from single-employee operations to large multi-state accounts across a broad span of industry class codes, including contracting, professional services, retail, and light manufacturing. The company offers a pay-as-you-go premium option that calculates premium from actual payroll each pay cycle rather than a large upfront deposit based on estimated annual payroll, which can reduce the size of any year-end premium audit adjustment. The Hartford also maintains in-house claims units and risk-engineering staff who work directly with policyholders on workplace-safety programs, injury-prevention resources, and return-to-work planning intended to help manage claims duration and cost.

Coverage from The Hartford is distributed through independent agents and brokers rather than sold directly to consumers. An employer can access The Hartford's workers' compensation program alongside other national and regional carriers through a licensed agency, comparing eligibility, coverage terms, and payment options from a single application rather than contacting each company separately. Because The Hartford writes across many states, it is frequently one of the options an agency will quote for employers with operations in more than one licensed state.