Hiscox vs TechInsurance Workers’ Compensation Insurance

For workers' compensation, Hiscox Inc. acts as an access point to a partner insurer rather than underwriting the coverage itself, and requires the buyer to also hold a Hiscox general-liability policy before it will provide access to workers' compensation. ⁴Company-reported. Company-stated partnership structure; this differs from Hiscox's own-catalogue general liability, professional liability, cyber and BOP products, which are underwritten by its own affiliated insurer.

TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. ⁸Company-reported. Workers' compensation product page.

Hiscox's workers'-compensation page footer names Hartford Fire Insurance Company, at One Hartford Plaza, Hartford, CT, as the underwriter, with coverage made available through Hiscox Inc. doing business as Hiscox Insurance Agency in California. ⁴Company-reported. Company-published footer disclosure; this is a different insurer from the Hiscox Insurance Company Inc. entity that underwrites Hiscox's own-catalogue products.

The reviewed page does not name the issuing insurer for a workers' compensation policy; TechInsurance notes that a small number of monopolistic states (it names Wyoming, Washington, Ohio and North Dakota) require purchasing coverage through a dedicated state fund rather than a private carrier. ⁸Not publicly disclosed. Workers' compensation product page as read on 2026-09-23.

Hiscox says workers' compensation access requires the buyer to already hold, or concurrently purchase, a Hiscox general-liability policy, and that the product is not available for all classes of business. ⁴Company-reported. Company-stated prerequisite and class limitation; specific excluded classes are not listed on the page.

TechInsurance says workers' comp requirements vary by state: most states require coverage once a business hires its first employee, Texas and South Dakota do not mandate it, and some states such as California require it for certain contractors even with no employees. ⁸Company-reported. Workers' compensation product page, Are you legally required to carry workers' comp insurance? section.

The workers'-compensation page describes the product in general terms as statutory workers' compensation coverage through the Hartford partnership; it does not add Hiscox-specific coverage enhancements beyond what a standard Hartford workers'-compensation policy would include. ⁴Company-reported. Company-stated partnership product; specific policy wording and state benefit levels are set by Hartford's issued policy and applicable state law.

TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. ⁸Company-reported. Workers' compensation product page; general policy description, not a specific policy form.

The workers'-compensation page does not publish benefit limits, wage-replacement percentages or premium information; statutory benefit levels are generally set by state law rather than by Hiscox or Hartford. ⁴Not publicly disclosed. Public product page as previously reviewed.

TechInsurance says its workers' compensation policyholders pay a median of $54 per month, or about $643 a year, with the exact cost depending on employee count, location, claims history, policy limits, payroll and industry risk factors. ⁸Company-reported. Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Hiscox lists workers' compensation among the products selectable from its small-business quote flow, routing eligible buyers who also carry (or are buying) general liability toward the Hartford-underwritten product. ^5,4Company-reported. Company-described product-selector listing; eligibility and binding conditions require confirmation on the actual application.

You request workers' compensation quotes online through a short application; TechInsurance says licensed agents are available to help, and mentions pay-as-you-go and minimum-premium policy structures as options for very small businesses. ⁸Company-reported. Workers' compensation product page, How can I save money on workers' comp coverage? section.