Shopping The Hartford against Travelers is a good instinct — they’re both legitimate options, and the honest answer to “which is better” is almost always “for which business?” As an independent agency we quote both, so you compare real numbers instead of reputations. Get multiple quotes within minutes.

How they compare

Both are century-old, A-rated national carriers with deep claims networks — the choice usually comes down to pricing for your class code and the service model. The Hartford leans hard into small business with pay-as-you-go billing (XactPAY) and fast digital COIs; Travelers brings one of the industry’s largest risk-control operations, which mid-size employers with real claims exposure tend to value. For low-hazard classes both quote aggressively; for tougher classes their appetites split — which one wins depends on your code and state.

What actually decides it

• Your class code: appetite differences between carriers dwarf brand differences — the “cheaper” carrier flips by class
• Your state: filed rates vary by state; a carrier that wins in NJ may lose in FL
• Your experience mod: a clean mod earns credits at both; a rough one changes who’ll even quote
• Billing fit: pay-as-you-go options differ — they matter for seasonal and variable payrolls

Read the full reviews

Deep-dives on each: The Hartford workers’ comp review and Travelers workers’ comp review. Or skip straight to numbers — we’ll quote both side by side.

Frequently asked questions

Is The Hartford or Travelers cheaper for workers’ comp?

It depends on your class code, state, and experience mod — each carrier’s filed rates and appetite differ enough that the winner flips business by business. The only reliable answer is quoting both, which we do in one pass.

Can I get quotes from both at once?

Yes — that’s the point of an independent agency. One submission, multiple carrier quotes, one side-by-side answer.

Stop guessing — see both prices. Get multiple quotes within minutes.