Mylo vs The Hartford: How Do They Compare for Workers’ Compensation Insurance?

Mylo compares carrier quotes and can send buyers in Ohio, North Dakota, Washington and Wyoming to the state fund; The Hartford says customers with under $300,000 in payroll pay an average of $81 a month, and it offers pay-as-you-go billing on actual payroll.

The Hartford publishes an average $81 monthly price for payroll below $300,000; Mylo compares rates across outside carriers without publishing one company’s average. ^2,¹

What Are the Key Differences Between Mylo and The Hartford Workers’ Compensation Insurance?

Who Issues the Policy

The Hartford gives employees medical, wage and other benefits directly after a work-related injury or illness, describing itself as the insurer rather than an intermediary. ² Mylo instead compares quotes across multiple outside carriers without underwriting the policy itself. ¹

Choose The Hartford if your payroll is under $300,000 and you want its published average as a benchmark; choose Mylo if you want competing carrier rates. ²

Services Tied to the Policy

The Hartford names specific service programs attached to its own policy:

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. ²Company-reported. Workers' compensation product page as read 2026-09-23.

Mylo's page instead names one coverage-level service — employers liability, often bundled into the policy, for the rare cases an employer is sued despite the no-fault system — rather than a network of medical or claims programs of its own. ¹

What Each Page Says About Cost

The Hartford publishes a specific average for smaller accounts, saying customers with less than $300,000 in payroll pay an average of $81 a month. ² Mylo instead explains how the underlying rate gets set — classification, a risk-based rate, payroll and claims history — and says comparing carriers matters because rates can differ for the same classification, without publishing a comparable average. ¹

What Should You Confirm in Mylo and The Hartford Workers’ Compensation Insurance Quotes?

Ask The Hartford whether the $81 average, or its as-low-as $13 figure, reflects your industry and payroll size rather than its full book of business. ²
Ask Mylo for the specific carriers and rates it compared for your classification, since it does not underwrite the policy itself. ¹
Both firms separately flag monopolistic states; Mylo names Ohio, North Dakota, Washington and Wyoming specifically, while The Hartford's page does not list which states qualify. ¹ ²
Ask The Hartford how claim status, payments and direct deposit work through its My Workers' Comp Connection portal, since Mylo's page does not describe a comparable self-service tool. ²

Mylo vs The Hartford Workers’ Compensation Insurance Compared

Mylo vs The Hartford: Workers’ Compensation Insurance: documented features by provider

Criteria	Mylo Workers' Compensation Insurance	The Hartford Workers' Compensation Insurance
Limits and Retentions	Mylo explains that a workers' comp premium is set by classifying the business's activities, assigning a risk-based rate to that classification, and applying a formula using the rate, total payroll and prior claims history; it says comparing carriers helps because carriers can assign different rates and fees to the same classification. ¹Company-reported. Workers' comp product page FAQ "How is my premium determined?"; no specific premium figures are given.	The Hartford says customers with less than $300,000 in payroll pay an average of $81 a month, with some policies starting as low as $13 a month; the page does not publish standard coverage limits, since state law and payroll drive required benefit levels. ²Company-reported. Company-reported average as of 2026-09-23; not a specific quote.
Who It’s For	Mylo says almost all states require workers' compensation for employers with employees, that Texas has exceptions, and that employee-count and employment-status requirements vary by state. ¹Company-reported. Workers' comp product page. Mylo says Ohio, North Dakota, Washington and Wyoming require employers to buy workers' compensation from a state fund rather than a private insurer, and that its agents can direct buyers in those states accordingly. ¹Company-reported. Workers' comp product page "Your state makes a difference" section.	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. ²Company-reported. Workers' compensation product page as read 2026-09-23.
Role in This Line	Mylo brokers workers' compensation insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. ¹Company-reported. Workers' comp 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. ²Company-reported. Workers' compensation product page as read 2026-09-23.
Risk Services	Mylo says employers' liability coverage, often included within a workers' comp policy, can cover the rare situations where an employer is still sued over a workplace injury despite the no-fault system. ¹Company-reported. Workers' comp product page FAQ.	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. ²Company-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. ²Company-reported. Workers' compensation product page as read 2026-09-23.