---
title: "The Hartford vs Travelers Workers’ Compensation Insurance"
description: "The Hartford publishes a medical-network and pricing figure for workers' comp; Travelers publishes return-to-work and opioid-reduction statistics."
canonical: "https://spot.insure/compare/the-hartford-vs-travelers/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# The Hartford vs Travelers Workers’ Compensation Insurance

The Hartford publishes a medical-network and pricing figure for workers' comp; Travelers publishes return-to-work and opioid-reduction statistics.

## Research Scope and Use

Use this comparison to evaluate The Hartford and Travelers for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

The Hartford cites a 1-million-plus provider medical network and an average $81-a-month premium for small payrolls, while Travelers reports internal statistics on return-to-work rates and opioid-use reduction from its claim programs. [4](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")

## 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. [1](https://www.thehartford.com/legal-notice "Legal Notice") [2](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [3](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## 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. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in Workers’ Compensation Insurance

### Medical and Recovery Services Named on Each Page

Both companies underwrite workers' compensation directly and describe services layered onto the policy rather than the policy alone. [4](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") The Hartford names a specific Preferred Medical Provider Network of over 1 million providers, a prescription-drug program covering more than 65,000 pharmacies, a Needle Stick Reimbursement Program, and nurse case managers through its Nursed Back to Health program. [4](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") Travelers instead reports outcome statistics from its own programs — a 40% decline in opioid use it attributes to an Early Severity Predictor tool, and access to a 2.3-million-provider network:

Travelers reports internal outcome and cost-containment statistics for its workers-comp claim and risk-control programs, including 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to its Early Severity Predictor tool, and access to a network of 2.3 million medical providers. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified..)

### Billing, Portal Access and Claim Handling

The Hartford offers pay-as-you-go billing based on actual payroll and a My Workers' Comp Connection portal where an injured employee can track claim status, payments and direct deposit. [4](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") Travelers' page does not describe a comparable payroll-based billing option or self-service claim portal, focusing instead on its risk-control and claim-outcome statistics and a stop-gap employer's liability option for monopolistic states. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")

### Pricing and Insurer Disclosure

The Hartford publishes a company-reported average premium and a low-end starting price for small payrolls, while it does not name the specific underwriting entity on the reviewed page. [4](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") Travelers does not publish a comparable average premium, but a video transcript on its page credits The Travelers Indemnity Company, a signal consistent with — though not a full disclosure of — the issuing entity for a given policy. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask The Hartford for a rate specific to your payroll size rather than relying on its published average. [4](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")
- Ask Travelers which entity would issue your specific policy, since the video-credit line is not a policy-level disclosure. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")
- If your state is monopolistic, confirm whether Travelers' stop-gap employer's liability option applies, since coverage there runs through a state fund instead. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")
- Ask The Hartford whether its medical provider network and prescription program are available in your state before comparing costs. [4](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")

## Offering Details

| Criteria | The Hartford Workers' Compensation Insurance | Travelers Workers Compensation Insurance |
| --- | --- | --- |
| Role in 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. [4](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..) | Travelers underwrites workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation product page, as read on 2026-09-23..) |
| Issuing Insurer | Not described in the reviewed sources. | A video transcript on the workers-compensation page is copyrighted to The Travelers Indemnity Company, which is consistent with that entity issuing workers compensation policies, though the page does not state that every workers-comp policy is issued by that entity rather than an affiliate. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Video transcript credit on the workers-compensation page; not a policy-level disclosure of the issuing entity for a specific quote..) |
| Who It’s For | 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. [4](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..) | Travelers says nearly every state requires most businesses to carry workers compensation insurance, but that in monopolistic states employers must buy coverage from a state-run fund, or may self-insure using a third-party administrator, so Travelers workers compensation is not purchasable there through Travelers itself. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answer, 'Who needs workers compensation insurance?'; the page does not list which states are monopolistic..)<br><br>Travelers markets workers compensation to both large, multi-state employers and small businesses, and says it maintains state-specific requirement information because coverage terms and required forms vary by jurisdiction. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Large-business and small-business sections and the 'Workers compensation laws vary by state' section..) |
| Coverage Features | Not described in the reviewed sources. | Travelers says the policy covers employees' medical expenses and lost wages for job-related injuries and diseases, includes employers liability coverage for related lawsuits not covered by workers-comp law, and that employers in monopolistic states may add employers liability separately as stop-gap coverage. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state..) |
| Limits and Retentions | 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. [4](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..) | Not described in the reviewed sources. |
| Risk Services | 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. [4](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. [4](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..) | Travelers reports internal outcome and cost-containment statistics for its workers-comp claim and risk-control programs, including 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to its Early Severity Predictor tool, and access to a network of 2.3 million medical providers. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified..) |
| How to Apply | Not described in the reviewed sources. | Travelers directs buyers to contact a local Travelers agent to find a workers compensation policy, and separately notes pricing depends on business location, type of work, total payroll and claims history rather than a fixed rate. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answers 'How can I buy workers compensation insurance?' and 'What determines the cost of a workers compensation policy?'.) |

## Full Comparison

- [The Hartford vs Travelers](https://spot.insure/compare/the-hartford-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses.
- [The Hartford vs Travelers Business Owner’s Policy](https://spot.insure/compare/the-hartford-vs-travelers/business-owners-policy)
- [The Hartford vs Travelers Commercial Auto Insurance](https://spot.insure/compare/the-hartford-vs-travelers/commercial-auto)
- [The Hartford vs Travelers Commercial Property Insurance](https://spot.insure/compare/the-hartford-vs-travelers/commercial-property)
- [The Hartford vs Travelers Crime Insurance](https://spot.insure/compare/the-hartford-vs-travelers/crime)
- [The Hartford vs Travelers Cyber Insurance](https://spot.insure/compare/the-hartford-vs-travelers/cyber)
- [The Hartford vs Travelers D&O Insurance](https://spot.insure/compare/the-hartford-vs-travelers/directors-officers)
- [The Hartford vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/employment-practices)
- [The Hartford vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/fiduciary)
- [The Hartford vs Travelers General Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/general-liability)
- [The Hartford vs Travelers Inland Marine Insurance](https://spot.insure/compare/the-hartford-vs-travelers/inland-marine)
- [The Hartford vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/the-hartford-vs-travelers/kidnap-ransom)
- [The Hartford vs Travelers Management Liability Insurance](https://spot.insure/compare/the-hartford-vs-travelers/management-liability)
- [The Hartford vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/the-hartford-vs-travelers/professional-errors-omissions)
- [The Hartford vs Travelers Tech E&O Insurance](https://spot.insure/compare/the-hartford-vs-travelers/technology-errors-omissions)
- [Alliance Risk vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/workers-compensation)
- [Amelia Risk vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/workers-compensation)
- [Amelia Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/workers-compensation)
- [Chubb vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-the-hartford/workers-compensation)
- [Chubb vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-travelers/workers-compensation)

## Sources

### The Hartford

1. [Legal Notice](https://www.thehartford.com/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.
2. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). 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.
3. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-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.
4. [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.

### Travelers

5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
8. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; What is workers compensation insurance?; Who needs workers compensation insurance?; What does workers comp cover?; Is all workers compensation insurance the same?; Trends in workers compensation legislation; Copyright 2018 The Travelers Indemnity Company video transcript. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

9. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-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.
10. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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.
11. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). 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.

Updated 2026-09-23. 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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