A safety net for work-related accidents or illnesses
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Workers' compensation

Workers' compensation

You count on your employees every day, and do everything you can to help make sure they are safe on the job. But accidents happen.

Workers' compensation insurance offers a no-fault exclusive remedy safety net for work-related accidents or illnesses, helping to pay for medical care, rehabilitation and lost wages. If an employee has a fatal accident at work, workers' compensation insurance pays an insurance benefit to their family.

Businesses are required to carry workers' compensation insurance in almost every state, although requirements for coverage vary. Our experts analyze risks and coverage options to ensure our product offering is competitive and fits the needs of our customers. We can help find the right workers' compensation coverage for your business.

Three Column

Fast claims handling

Fast claims handling

Claims can be reported 24/7. Within 24 hours of your claim, we initiate contact with you, your employee and the doctor assigned to the case.

Stress-free care coordination

Stress-free care coordination

Experienced, caring nurse case managers put you and your employees at ease and coordinate care, treatments, physical, emotional and occupational therapies. Plus, we have The Hanover NT24 nurse triage program—Hanover customers who suffer an injury the job can use this 24/7/365 telephonic nurse triage service for quick, actionable and expert advice to help determine the best course of action for their immediate care.

One-stop shopping

One-stop shopping

As part of your total business insurance solution, your workers' compensation insurance can be bundled and billed with your other Hanover policies, saving you time and reducing administrative headaches.

Risk management

Risk management

Our risk management services can help reduce work hazards with accident prevention, safety audits and training programs.

Established medical and pharmacy networks

Established medical and pharmacy networks

Our extensive network of high-quality health care providers, medical equipment suppliers and pharmacies ensures your employee is well cared for, and costs are kept under control.

Flexible payment options

Flexible payment options

With flexible down payments and billing options, we make it easy to manage workers' compensation expenses. We also offer Hanover EZPay as an innovative, pay-as-you-go solution.

Fast claims handling

Fast claims handling

Claims can be reported 24/7. Within 24 hours of your claim, we initiate contact with you, your employee and the doctor assigned to the case.

Stress-free care coordination

Stress-free care coordination

Experienced, caring nurse case managers put you and your employees at ease and coordinate care, treatments, physical, emotional and occupational therapies. Plus, we have The Hanover NT24 nurse triage program—Hanover customers who suffer an injury the job can use this 24/7/365 telephonic nurse triage service for quick, actionable and expert advice to help determine the best course of action for their immediate care.

One-stop shopping

One-stop shopping

As part of your total business insurance solution, your workers' compensation insurance can be bundled and billed with your other Hanover policies, saving you time and reducing administrative headaches.

Risk management

Risk management

Our risk management services can help reduce work hazards with accident prevention, safety audits and training programs.

Established medical and pharmacy networks

Established medical and pharmacy networks

Our extensive network of high-quality health care providers, medical equipment suppliers and pharmacies ensures your employee is well cared for, and costs are kept under control.

Flexible payment options

Flexible payment options

With flexible down payments and billing options, we make it easy to manage workers' compensation expenses. We also offer Hanover EZPay as an innovative, pay-as-you-go solution.

Bundled solutions offer more value

When you purchase multiple commercial policies from The Hanover through your local independent agent, you will enjoy the convenience of one contact for all your insurance needs -- including customer service, insurance billing, renewals and claims. 

Commercial automobile

Commercial automobile

The Hanover's commercial auto insurance fits perfectly with our package solutions. Our offering provides auto insurance to an assortment of commercial vehicles.

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Business owners' policy (BOP)

Business owners' policy (BOP)

The Hanover's BOP offers convenient protection for a wide range of small business customers, with both general and industry-specific broadening endorsements.

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Professional liability

Professional liability

Professional liability insurance provides protection for professionals from claims that their work or advice was inadequate, contained errors or failed to meet specifications.

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Commercial umbrella

Commercial umbrella

The Hanover’s umbrella product offers extra protection in the event of a catastrophic loss, with limits that go beyond scheduled general liability, commercial auto and employers liability.

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Workers' compensation services

The Hanover's workers' compensation policy¹ offers broad benefits including payments for lost wages, coverage for employees traveling on business and payment for additional expenses to bring home an employee injured outside the U.S.

Risk Solutions

Risk Solutions

Hanover Risk Solutions professionals meet the challenges of Hanover policyholders with a comprehensive array of tools to help reduce your business’s risks wherever they arise.

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Claims services

Claims services

Our industry-leading claim services and 24/7 reporting help you get back to business quickly. If you ever need to make a claim, you'll be glad you have The Hanover.

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Featured resources

Get safety and insurance articles, videos, infographics and more to help keep your business and property safe, and guide you through the insurance-buying process.

Get a workers' compensation quote

Your Hanover agent can provide you with a workers' compensation quote as part of total business insurance solution, including business owners insurance, commercial auto insurance and professional liability.

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¹ Not available in HI. Additional state availability and underwriting guidelines may apply.