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

On cost, TechInsurance, which arranges coverage for small businesses, reports a median of $54 a month, while The Hartford says customers with under $300,000 in payroll average $81 a month and bills on actual payroll.

The Hartford reports an $81 monthly average for payroll under $300,000; TechInsurance reports a $54 monthly median across its policyholders. ^2,¹

What Are the Key Differences Between TechInsurance and The Hartford 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. ¹ The Hartford instead gives employees medical, wage and other benefits directly as the issuing insurer. ²

Choose The Hartford if your payroll is under $300,000 and you want a direct policy; choose TechInsurance if you need agent help and a marketplace quote. ²

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. ²Company-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. ¹

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. ² TechInsurance instead mentions pay-as-you-go and minimum-premium structures as options specifically for very small businesses. ¹

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

Ask The Hartford whether the $81 average reflects your industry and payroll size rather than its full book of business. ²
Ask TechInsurance whether its $54 monthly median reflects your industry and payroll size, since the figure is a book-of-business average. ¹
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. ² ¹
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. ¹

TechInsurance vs The Hartford Workers’ Compensation Insurance Compared

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

Criteria	TechInsurance Workers' Compensation Insurance	The Hartford Workers' Compensation Insurance
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. ¹Company-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. ²Company-reported. Company-reported average as of 2026-09-23; not a specific quote.
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. ¹Company-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. ²Company-reported. Workers' compensation product page as read 2026-09-23.
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. ¹Company-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. ²Company-reported. Workers' compensation product page as read 2026-09-23.