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

With The Hartford, customers with under $300,000 in payroll average $81 a month and can pay as they go; Risklytics instead applies online and places coverage with outside carriers, with no extra fee on top of the premium.

The Hartford issues workers’ comp directly and offers a preferred medical network; Risklytics places robotics and AI risks with specialist insurers. ^4,²

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

Direct Underwriting vs. Specialist Placement

The Hartford gives employees medical, wage and other benefits directly as the issuing insurer. ⁴ Risklytics describes itself as a licensed producer placing the line with insurers it says are willing to write robotics, autonomy and AI risk. ²

Choose The Hartford if you want a direct policy and medical network; choose Risklytics if your company operates in robotics, autonomy or AI. ⁴

Depth of Services Described

Risklytics keeps its services description brief:

Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. ¹Company-reported. Lines page.

The Hartford instead ties a named medical network, a prescription drug program and nurse case managers to its own policy, a more detailed service set than Risklytics describes. ⁴

Which Businesses Each Page Targets

The Hartford names specific industries it markets to — gyms, manufacturing, medical offices, restaurants and retailers. ⁴ Risklytics instead frames eligibility around businesses with employees in robotics, autonomy or AI-adjacent fields, noting separately that states differ on whether founders and officers can exclude themselves. ¹

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

Ask The Hartford whether your industry is one of the ones it names, or whether coverage extends the same way to yours. ⁴
Ask Risklytics to name the specific insurer for your quote, since its page describes carrier appetite generally without naming one. ²
Confirm whether your state is monopolistic; The Hartford's page notes the category exists without naming states, and Risklytics' page does not address it. ⁴
Confirm how your state treats founders or officers who want to exclude themselves from coverage, since Risklytics notes this varies. ¹

Risklytics vs The Hartford Workers’ Compensation Insurance Compared

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

Criteria	Risklytics Workers' Compensation Insurance	The Hartford Workers' Compensation Insurance
Limits and Retentions	Risklytics says statutory limits for this line are set by state law rather than chosen by the buyer. ¹Company-reported. Lines page.	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. ⁴Company-reported. Company-reported average as of 2026-09-23; not a specific quote.
Who It’s For	Risklytics says the coverage is required by law in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. ¹Company-reported. Lines 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. ⁴Company-reported. Workers' compensation product page as read 2026-09-23.
Role in This Line	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Workers' Compensation Insurance with outside carriers; it says it does not underwrite policies itself. ²Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.	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. ⁴Company-reported. Workers' compensation product page as read 2026-09-23.
Risk Services	Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. ¹Company-reported. Lines page.	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. ⁴Company-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. ⁴Company-reported. Workers' compensation product page as read 2026-09-23.