CARRIER PARTNER
The Hartford Workers’ Compensation Insurance
One of America’s oldest and most trusted workers’ comp carriers — quoted and serviced through Provident Financial Group, your independent agency.
Founded
1810
AM Best Rating
A+ (Superior)
Best For
Small & mid-size business
Pay-As-You-Go
Yes — XactPAY
About The Hartford
The Hartford has been insuring American businesses since 1810 and consistently ranks among the largest workers’ compensation writers in the country. It combines a national claims network with a small-business focus, which is why so many main-street employers — offices, retailers, contractors, restaurants — end up with a Hartford policy.
For employers, the practical advantages show up after the policy is issued: a large in-house claims organization, a preferred medical provider network built specifically for workplace injuries, and reporting tools that make audits and certificates less painful than they are with smaller carriers.
Why businesses choose The Hartford
Small-business appetite
Broad appetite across offices, retail, professional services, light contracting, restaurants, and wholesale — with policies designed for businesses from one employee up to several hundred.
XactPAY pay-as-you-go
The Hartford’s XactPAY program calculates premium from actual payroll each pay period, cutting the big down payment and shrinking year-end audit surprises.
Claims muscle
A nationwide claims team and a workers’ comp medical network of over one million providers helps injured employees get treated fast — which is what actually keeps claim costs down.
Bundling options
Workers’ comp can pair with a Hartford BOP, commercial auto, and umbrella, which often unlocks multi-policy pricing for small employers.
Billing and pay-as-you-go options
The Hartford supports traditional annual billing with installment plans, and its XactPAY pay-as-you-go program integrates with many payroll providers so premium is drawn from each actual payroll run. For seasonal businesses or anyone whose payroll swings during the year, pay-as-you-go usually beats a fixed estimate — and we can set it up at no extra charge when we place your policy.
Who The Hartford fits best
The Hartford tends to win for established small and mid-size employers with clean claims history in mainstream class codes — offices, stores, restaurants, light trades, professional firms. It is often not the cheapest option for high-hazard construction or trucking risks, which is exactly why we quote it alongside specialist markets before you commit.
Is The Hartford the right carrier for your business?
No single carrier wins every class code in every state. As an independent agency, we quote The Hartford head-to-head against the rest of our carrier lineup — so you see who actually prices your payroll best.
The Hartford workers’ comp FAQs
Is The Hartford good for workers’ comp?
The Hartford is one of the largest and longest-standing workers’ comp carriers in the U.S., holding an A+ (Superior) rating from AM Best. It is particularly strong for small and mid-size businesses in mainstream industries, with a large claims network and pay-as-you-go billing through XactPAY.
Does The Hartford offer pay-as-you-go workers’ comp?
Yes. The Hartford’s XactPAY program lets you pay premium based on actual payroll each pay period instead of a large annual estimate. It integrates with many payroll services and reduces both down payments and audit surprises.
How do I get a quote from The Hartford?
As an independent agency, Provident Financial Group quotes The Hartford directly alongside a dozen other A-rated workers’ comp markets. One application gets you compared pricing — call 866-964-6660 or request a quote online.
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