---
title: "Mylo vs The Hartford: Workers’ Compensation Insurance"
description: "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."
canonical: "https://spot.insure/compare/mylo-vs-the-hartford/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "mylo-vs-the-hartford"
provider-a: "mylo"
provider-b: "the-hartford"
coverage-line: "workers-compensation"
---

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[Human-readable page](https://spot.insure/compare/mylo-vs-the-hartford/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of Mylo and The Hartford for Workers’ Compensation Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Workers’ Compensation Insurance questions about Mylo versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Mylo vs The Hartford for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Mylo or The Hartford?
- What does Mylo or The Hartford publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Mylo and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Mylo vs The Hartford](https://spot.insure/compare/mylo-vs-the-hartford) — all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works
- [Mylo profile](https://spot.insure/insurance-providers/mylo) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 gives an $81 monthly average for smaller payrolls; Mylo shops rates across carriers.

## Mylo vs The Hartford Workers’ Compensation Insurance Summary

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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp")

## 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") Mylo instead compares quotes across multiple outside carriers without underwriting the policy itself. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp")

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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")

### 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. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: 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](https://choosemylo.com/business/product-workers-comp "Workers' Comp")

### 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") 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](https://choosemylo.com/business/product-workers-comp "Workers' Comp")

## 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")
- Ask Mylo for the specific carriers and rates it compared for your classification, since it does not underwrite the policy itself. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp")
- 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](https://choosemylo.com/business/product-workers-comp "Workers' Comp") [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")
- 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")

## Mylo vs The Hartford Workers’ Compensation Insurance Compared

| 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. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: 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. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page..)<br><br>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. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: 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. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: 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. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: 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. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..)<br><br>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. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..) |

## About Mylo and The Hartford and Workers’ Compensation Insurance

- [Mylo company profile](https://spot.insure/insurance-providers/mylo) · [Mylo customer reviews](https://spot.insure/insurance-providers/mylo/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation)

## Related Pages for Mylo vs The Hartford Workers’ Compensation Insurance

- [Mylo vs The Hartford](https://spot.insure/compare/mylo-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [Mylo Workers’ Compensation Insurance](https://spot.insure/insurance-providers/mylo/workers-compensation)
- [The Hartford Workers’ Compensation Insurance](https://spot.insure/insurance-providers/the-hartford/workers-compensation)

## Sources for Mylo vs The Hartford Workers’ Compensation Insurance

### Sources About Mylo

1. [Workers' Comp](https://choosemylo.com/business/product-workers-comp). Mylo; Workers' comp protects your employees and you; How do you benefit? (no-fault system); Your state makes a difference (monopolistic states); Workers' compensation FAQs (how premium is determined). Accessed 2026-09-23.

### Sources About The Hartford

2. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; What Is Workers' Compensation Insurance?; How Much Is Workers' Compensation Insurance?; Who Needs Workers' Compensation Insurance?; The Advantages of Workers' Comp From The Hartford; Benefits of The Hartford's WC Insurance; Workers' Compensation Insurance in Monopolistic States. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/mylo-vs-the-hartford/workers-compensation.md)
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