What Is The Hartford?
The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. 1,2,3
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 5,6
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 8,9,10,11
Key Differences in Workers’ Compensation Insurance
Injury Care Services
The Hartford describes a preferred medical-provider network, prescription services, and nurse case managers coordinating care. Zurich describes Workplace Injury Triage and Narcotic Evaluation as medical-management services supporting treatment and billing review. Both describe services around treatment of injured workers, with different listed tools and support roles. The Hartford’s figures and service descriptions are company-reported as accessed 2026-09-23. 4 7
Claim Access and Handling
The Hartford describes a portal where injured employees can check claim status and review payments. Zurich describes a dedicated claim-reporting process followed by carrier review and investigation, with the carrier deciding benefit eligibility. Both address an injured worker’s claim interaction, with the Hartford naming portal functions and Zurich describing reporting and carrier decisions. 4 7
What to Confirm in Workers’ Compensation Insurance Quotes
The Hartford and Zurich U.S. Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
The Hartford Review Score
Review Score
5 rated sources
The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.[1][2][4][5][6][7]
Read The Hartford reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsThe Hartford vs Zurich U.S. Workers’ Compensation Insurance Compared
The Hartford vs Zurich U.S.: Workers’ Compensation Insurance: documented features by provider
| Criteria | The Hartford Workers' Compensation Insurance | Zurich Workers’ Compensation |
|---|---|---|
| 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. 4Company-reported. Workers' compensation product page as read 2026-09-23. | Confirm in your 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. 4Company-reported. Workers' compensation product page as read 2026-09-23. | Confirm in your quote. |
| Coverage Features | Confirm in your quote. | Zurich describes workers’ compensation benefits for employees injured or made ill at work, including eligible medical expenses and wage replacement. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 4Company-reported. Company-reported average as of 2026-09-23; not a specific quote. | Confirm in your quote. |
| 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. 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. | Zurich describes Workplace Injury Triage and Narcotic Evaluation as medical-management services supporting treatment and billing review. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Claims Support | Confirm in your quote. | Zurich links WC customers to a dedicated claim-reporting process and explains that the carrier reviews, investigates and decides benefit eligibility. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; workers compensation; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
Related Pages for The Hartford vs Zurich U.S. Workers’ Compensation
Workers’ Compensation Insurance Pages for The Hartford and Zurich U.S.
Other Coverage Lines Compared for The Hartford vs Zurich U.S.
Other Workers’ Compensation Insurance Provider Comparisons
Sources for The Hartford vs Zurich U.S.
Sources About 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.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Workers’ Compensation Insurance | Zurich Insurance. Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28.
Sources for the 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.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
