TechInsurance vs 
The Hartford Workers’ Compensation Insurance
The Hartford and TechInsurance each publish a different monthly cost figure for workers' compensation, reflecting different books of business.
What Is TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 1,2
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 4,5,6
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. 8,9,10
Key Differences in Workers’ Compensation Insurance
Arranging Coverage vs. Underwriting Directly
TechInsurance arranges workers' compensation for small businesses and gives buyers access to licensed agents, without underwriting the policy itself. 3 The Hartford instead gives employees medical, wage and other benefits directly as the issuing insurer. 7
Two Different Published Cost Figures
The Hartford publishes a figure tied to a specific payroll band:
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. 7Company-reported. Company-reported average as of 2026-09-23; not a specific quote.
TechInsurance instead reports a median of $54 a month across its policyholders generally, without segmenting by payroll size the way The Hartford does. 3
Billing and Payment Flexibility
The Hartford offers pay-as-you-go billing based on actual payroll and a My Workers' Comp Connection portal for claim status and direct deposit. 7 TechInsurance instead mentions pay-as-you-go and minimum-premium structures as options specifically for very small businesses. 3
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask The Hartford whether the $81 average reflects your industry and payroll size rather than its full book of business. 7
- Ask TechInsurance whether its $54 monthly median reflects your industry and payroll size, since the figure is a book-of-business average. 3
- Confirm whether your state is monopolistic; The Hartford's page notes the category exists without naming states, while TechInsurance names Wyoming, Washington, Ohio and North Dakota specifically. 7 3
- Ask TechInsurance whether a pay-as-you-go or minimum-premium structure is available for your account, and compare it against The Hartford's payroll-based billing. 3
Offering Details
TechInsurance vs The Hartford Workers’ Compensation Insurance: documented features by provider
| Criteria | TechInsurance Workers' Compensation Insurance | The Hartford Workers' Compensation Insurance |
|---|---|---|
| Role in This Line | 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. 3Company-reported. Workers' compensation 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. 7Company-reported. Workers' compensation product page as read 2026-09-23. |
| Issuing Insurer | 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. 3Not publicly disclosed. Workers' compensation product page as read on 2026-09-23. | Not described in the reviewed sources. |
| Who It’s For | 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. 3Company-reported. Workers' compensation product page, Are you legally required to carry workers' comp insurance? 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. 7Company-reported. Workers' compensation product page as read 2026-09-23. |
| Coverage Features | 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. 3Company-reported. Workers' compensation product page; general policy description, not a specific policy form. | Not described in the reviewed sources. |
| Limits and Retentions | 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. 3Company-reported. Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. | 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. 7Company-reported. Company-reported average as of 2026-09-23; not a specific quote. |
| Risk Services | Not described in the reviewed sources. | 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. 7Company-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. 7Company-reported. Workers' compensation product page as read 2026-09-23. |
| How to Apply | 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. 3Company-reported. Workers' compensation product page, How can I save money on workers' comp coverage? section. | Not described in the reviewed sources. |
Full Comparison
More TechInsurance vs The Hartford Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Workers' Compensation Insurance – Compare Quotes. TechInsurance; What does workers' compensation insurance cover? (emergency response, ongoing treatment, partial wages, employer's liability, death benefits); How much does workers' compensation insurance cost?; Are you legally required to carry workers' comp insurance?; Do sole proprietors and independent contractors need workers' compensation insurance? Accessed 2026-09-23.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Workers' Compensation Insurance Plans. 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.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
