We have programs designed to support companies, promote employee safety and well-being and help get personnel back to work as soon as reasonably possible; or if necessary, to other transitional work, and possibly training for new skills. If an employee can’t return to work, the coverage can provide a long-term benefit.

Workers’ compensation insurance, commonly known as workers’ comp, is insurance that covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. Coverage also includes employee rehabilitation and death benefits.


How does Arizona workers compensation insurance work?
Each state has its own unique set of workers’ compensation laws that employers must follow. These regulations help ensure that employers provide coverage for the cost of work-related injuries or occupational diseases, regardless of employee negligence.


An employee can only receive benefits if their injury or illness relates to their job duties or employment. Workers’ comp insurance could cover injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.


If an employee isn’t acting within the scope of their employment and becomes injured, such as playing football with friends on a day off, workers’ compensation insurance won’t cover them. When employees suffer a work-related injury or illness, The Hartford Workers’ Compensation Insurance protection helps cover wages and medical benefits and gives them access to experienced, caring professionals at every step of their recovery.

The advantages of workman’s comp insurance from The Hartford include:

  • Nursed Back to Health: The Hartford provides highly experienced nurse case managers to help coordinate care and treatment along with physical, emotional and occupational therapies.
  • Prescription Drug Features: More than 65,000 participating pharmacies throughout the US are available to fill prescriptions, usually with no out-of-pocket expense to the injured worker. The convenience of mail order service is just a phone call or click away.
  • Preferred Medical Provider Network: Employees can tap into our nationwide network of more than one million providers experienced in treating workplace injuries.
  • Pay-as-You-Go Billing Solutions: Our pay-as-you-go workers’ compensation insurance billing solution bases premium payments on actual payroll, which can help you manage cash flow and reduce audit surprises.

Workers compensation insurance offers broad coverage designed to protect your business and your employees. Here are some examples of what could go wrong and how it could be covered:

A data analyst spends most of their workday using their computer. They begin to notice discomfort in both wrists, which turns to pain as the day goes on. Their doctor diagnoses carpal tunnel syndrome, and recommends surgery. The cost of the surgery is covered by workers comp insurance, as is a portion of the employee’s wages while they are out of work to recover.

While placing a box on a high shelf in the warehouse, an employee inadvertently knocks down another box, which lands on their head. The employee is taken to the hospital and is diagnosed with a concussion. The doctor requires the employee to remain in the hospital for 24 hours and to stay on bed rest for a week. Workers compensation insurance could pay for the cost of the employee’s hospital visit as well as a portion of their wages for the missed week of work.

An electrical subcontractor is working on a rehab of an old building. The electrician accidentally cuts a live wire and is electrocuted. The worker survives, but has a lengthy hospital stay and rehabilitation before they can return to work. Workers compensation insurance covers the worker’s medical costs and a percentage of lost wages.

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