As a business person, you know that one of your most important assets is
your people. So when a key employee suffers a work-related injury or illness,
you feel it - not only in your concern for the individual's well-being - but also
through indirect costs, such as lost productivity. Ultimately, employee injuries
can impact your insurance premiums and your profitability.
Industry Leader The Hartford
2524 W Ruthrauff, Ste 104, Tucson AZ 85705
16921 E Palisades Blvd, Ste 105,
Just a Better Workers' Compensation Product
Fountain Hills AZ 85268
When it comes to purchasing workers' compensation
insurance, you need a carrier that has the capabilities to
address these indirect costs by helping you get injured
employees back to work as quickly as is medically appropriate
- and assist you in preventing workplace injuries and illnesses.
You can expect that and more from The Hartford. As one of the
10 largest workers' compensation providers in the nation, The
Hartford offers a nationwide presence and expert assistance
in handling your claims.
Only a nationwide carrier like The Hartford can cover your
statutory workers' compensation obligation in every state
where private carriers are permitted to provide this coverage.
In addition, The Hartford offers a unique broad form
endorsement designed to protect you from any unpleasant
surprises should you incur certain unknown and unanticipated
exposures not covered by the standard workers' compensation
contract. Because not every insured's needs are the same, we
offer two versions of this endorsement.
Our extended option is available for a small
additional charge and includes all of the
enhancements offered in our basic option, plus:
- Increased limits for employers' liability insurance.
- Waiver of our right to recover from other parties liable
for an injury to your workers in those instances where
you have signed an agreement with the other party
requiring such a waiver.
- Foreign voluntary compensation to protect your
employees who travel overseas.
- USL&H to cover your obligation to provide these federal
benefits if an employee should unexpectedly be found
subject to the act.
Our basic option is offered at no additional
charge and includes:
- Reimbursement for your reasonable expenses,
including loss of earning, incurred on our behalf in
connection with a claim,proceeding or suit we defend.
- Employer's liability stopgap for all states where
workers' compensation is provided by a monopolistic
- Voluntary compensation for your employees who are
not covered by state statute.
- Sixty day - versus the industry standard of 30 days - to
notify us to add states where you have newly set up
- Fifteen days - versus the industry standard of 10 days -
to notify you in the event we cancel the policy.
Cost Saving Services
The Hartford offers a wealth of loss control and claim
services. These include:
Assistance in Making Your Workplace Safer - The
Hartford offers convenient access to loss control advice.
Through our Web site
mb.thehartford.com, you can submit safety-related
questions through "Ask a Professional." We promise to
respond quickly, provide you with knowledgeable
guidance - and keep your inquiry confidential. Our site
also offers helpful technical information on safety topics
such as security, ergonomics, natural catastrophes, and
more. In addition, our site offers links to Web sites from
qualified vendors who provide discounts on
safety-related equipment, as well as advice on meeting
Medical Bill Review - The Hartford scrutinizes medical
bills submitted to correct any erroneous charges, and to
discounts. In 2004, we saved an average of $273 per
medical bill through our Medical Bill Review program.
Ultimately, these savings
have an impact on the insurance premiums our
Team Work - The Hartford offers the tools you need to
implement your own return-to-work program. Our focus is
on managing abilities
and helping to get your injured workers back to gainful
employment as soon as possible. Our rehabilitation
professionals, located across the country, work with
employees, doctors, adjusters and employers to provide
transitional employment and vocational services.
Through Team Work, we can help get your injured
employees working again and, ultimately, help control
your loss costs.
Why Choose The Hartford?
With workers' compensation insurance from The
Hartford, you get the coverages you need at a competitive
price. And you have peace of mind knowing that a
financially stable insurance company with more than 190
years of expertise is protecting your business - and
working to help you improve workplace safety.
Get a Quote
We'd like to insure your business for workers'
compensation and any other needs you have. To begin
the quote process just fill out the Workers'
Compensation Quote Page or give us a call, at
our toll free number, and we'll start getting the info we
need to give you a quick and accurate quote.
With over 40 years of experience and a
quality group of insurance providers,
we can help find the solutions for your
church, small business, and personal