---
title: "TechInsurance vs The Hartford: Workers’ Compensation Insurance"
description: "The Hartford reports an $81 monthly average for payroll under $300,000; TechInsurance reports a $54 monthly median across its policyholders."
canonical: "https://spot.insure/compare/techinsurance-vs-the-hartford/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "techinsurance-vs-the-hartford"
provider-a: "techinsurance"
provider-b: "the-hartford"
coverage-line: "workers-compensation"
---

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

## Agent Guide

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

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: TechInsurance 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:**
- [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford) — all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 publishes an $81 average for smaller payrolls; TechInsurance reports a $54 median across its book.

## TechInsurance vs The Hartford Workers’ Compensation Insurance Summary

The Hartford reports an $81 monthly average for payroll under $300,000; TechInsurance reports a $54 monthly median across its policyholders. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [1](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")

## 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](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") The Hartford instead gives employees medical, wage and other benefits directly as the issuing insurer. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")

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

### 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. [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..)

TechInsurance instead reports a median of $54 a month across its policyholders generally, without segmenting by payroll size the way The Hartford does. [1](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")

### 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") TechInsurance instead mentions pay-as-you-go and minimum-premium structures as options specifically for very small businesses. [1](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")

## 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")
- Ask TechInsurance whether its $54 monthly median reflects your industry and payroll size, since the figure is a book-of-business average. [1](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")
- 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [1](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")
- 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](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")

## TechInsurance vs The Hartford Workers’ Compensation Insurance Compared

| 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. [1](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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 TechInsurance and The Hartford and Workers’ Compensation

- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/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 TechInsurance vs The Hartford Workers’ Compensation

- [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-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.
- [TechInsurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/techinsurance/workers-compensation)
- [The Hartford Workers’ Compensation Insurance](https://spot.insure/insurance-providers/the-hartford/workers-compensation)

## Sources for TechInsurance vs The Hartford

### Sources About TechInsurance

1. [Workers' Compensation Insurance – Compare Quotes](https://www.techinsurance.com/workers-compensation-insurance). 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.

### 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.

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