Chubb vs 
The Hartford: How Do They Compare for Workers’ Compensation Insurance?
Chubb underwrites for small businesses from one employee up to $30 million in revenue, with a return-to-work program; The Hartford describes pay-as-you-go billing on actual payroll and a provider network of over 1 million providers.
Both Chubb and The Hartford underwrite directly; Hartford reports an $81 monthly average for payroll under $300,000 and a medical network of more than 1 million providers. 1,3
What Are the Key Differences Between Chubb and The Hartford Workers’ Compensation Insurance?
Two Direct Underwriters With Different Published Detail
Chubb underwrites its small-business workers' compensation product itself, covering businesses from one employee up to $30 million in revenue. 1
The Hartford also underwrites this line directly, and states that coverage requirements vary by state, including states where the policy can only be bought through a state-run fund rather than from a private insurer like itself. 3
Choose Hartford if published pricing or its claim portal helps you decide; choose Chubb if you fit its one-employee to $30 million revenue range and want its Special Investigative Unit. 3
Medical Network and Service Detail
Chubb's claims service includes internal nurse case managers, a return-to-work program, pharmacy benefit management, and preferred-provider network access, without naming the network's size. 1
The Hartford says policyholders get access to a Preferred Medical Provider Network of over 1 million providers, a prescription drug program covering more than 65,000 U.S. pharmacies (usually no out-of-pocket cost, plus mail order), a Needle Stick Reimbursement Program, and a Nursed Back to Health Program with nurse case managers coordinating care. 3Company-reported. Workers' compensation product page as read 2026-09-23.
The Hartford also names a specific portal, My Workers' Comp Connection, where an injured employee can check claim status and sign up for direct deposit, a level of named-tool detail that does not appear on Chubb's page. 3
Published Pricing Versus None
Chubb's page does not publish specific dollar limits or premium figures for this line, describing employer liability limits only as "various." 1
The Hartford reports an average of $81 a month for customers with less than $300,000 in payroll, with some policies starting as low as $13 a month, though it does not publish standard coverage limits either. 3
What Should You Confirm in Chubb and The Hartford Workers’ Compensation Insurance Quotes?
- Ask The Hartford whether the quoted average price reflects the business's actual payroll band and claims history. 3
- Ask Chubb for the specific employer liability limit, since its page describes the option without a dollar figure. 1
- Confirm the business's revenue and class fall inside Chubb's published eligibility range before applying directly. 1
- Confirm whether the business's state is a monopolistic state where The Hartford could not issue a private policy. 3
- Ask each insurer for its provider-network size and whether pharmacy benefits carry an out-of-pocket cost. 1 3
Chubb vs The Hartford Workers’ Compensation Insurance Compared
Chubb vs The Hartford: Workers’ Compensation Insurance: documented features by provider
| Criteria | Chubb Small Business Workers' Compensation Insurance | The Hartford Workers' Compensation Insurance |
|---|---|---|
| Who It’s For | Chubb says this policy covers small businesses with as little as one employee up to $30 million in revenue, across a wide range of classes including technology. 1,2Company-reported. Coverage-highlights list on the small-business workers' compensation page. | The Hartford says coverage requirements vary by state, and in some states (monopolistic states) workers' compensation can only be bought through a state-run fund, not from a private insurer like The Hartford. Common industries it names include gyms, manufacturing, medical offices, restaurants and retailers. 3Company-reported. Workers' compensation product page as read 2026-09-23. |
| Role in This Line | Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. 1Company-reported. Workers' Compensation for Small Business product page. | The Hartford's workers' compensation insurance gives employees medical, wage and other benefits after a work-related injury or illness; most states require this coverage if a business has employees. 3Company-reported. Workers' compensation product page as read 2026-09-23. |
| Risk Services | Chubb describes internal nurse case managers, a return-to-work program, pharmacy benefit management, preferred-provider network access, and a Special Investigative Unit for suspected fraud as part of its workers' compensation claims service. 1Company-reported. Exceptional Service section of the small-business workers' compensation page; company-described service program. | The Hartford says policyholders get access to a Preferred Medical Provider Network of over 1 million providers, a prescription drug program covering more than 65,000 U.S. pharmacies (usually no out-of-pocket cost, plus mail order), a Needle Stick Reimbursement Program, and a Nursed Back to Health Program with nurse case managers coordinating care. 3Company-reported. Workers' compensation product page as read 2026-09-23. The Hartford offers pay-as-you-go billing based on actual payroll rather than an estimate, and a My Workers' Comp Connection portal where injured employees can check claim status, review payments, sign up for direct deposit, and get a medical services card. 3Company-reported. Workers' compensation product page as read 2026-09-23. |
