Get to know the top workers’ comp insurance companies in the country by market share. This must-read guide compares leading carriers and coverage strengths
Let’s be honest: no client ever calls you excited about their workers’ comp policy. But when an injury happens, it’s the first coverage they’ll ask about—and the one that can make or break your relationship. Whether it’s a nurse with a back strain, a warehouse slip, or a repetitive motion claim in an office, workers’ comp issues land fast and loud. That’s why brokers can’t afford to treat it as a check-the-box placement.
What separates a smooth claim from a six-month headache usually comes down to the carrier: how fast they triage, how tight their provider network is, and if they actually pick up the phone when you call.
To help you cut through the noise, we pulled the latest data from the IB+ Data Hub for the top 10 best workers’ comp insurance companies—not just by numbers, but with the insights brokers need to know before placing that next policy.
The following are the largest workers’ comp insurance companies in the US, based on market share data taken from our IB+ Data Hub platform. You can see this data for yourself, and much more, in this data resource with options to filter by state, year, and other lines of business.
Travelers is the largest workers’ compensation insurance provider in the US by market share, with over $3.8 billion in direct premiums written.
Travelers has become a go-to carrier for brokers handling middle-market to large, multi-state clients across industries. The company’s investment in technology—including predictive analytics, digital claims tools, and anti-fraud platforms—helps brokers reduce loss costs and speed up return-to-work outcomes.
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Medical + Indemnity Coverage: Covers employee injuries and illness with strong return-to-work support
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TravPay Billing: Pay-as-you-go billing integrated directly with payroll systems
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e-CARMA Analytics: Risk insight platform to identify cost drivers and loss trends for clients
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SMART Medical Review: Proprietary cost-containment process to flag and audit overbilled medical charges
The Hartford has a long-standing reputation for stability, strong broker partnerships, and consistent performance in the small and mid-sized business segment.
The Hartford supports a claims-first strategy backed by clinical triage, pay-as-you-go billing, and scalable risk control services. These factors make it one of the best workers’ comp insurance companies for brokers seeking long-term value and proactive claims outcomes.
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Pay-As-You-Go Billing: Integrated premium collection aligned with payroll systems to simplify cash flow
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Nurse Triage & Return-to-Work: Immediate injury response backed by clinical coordination to reduce downtime
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Specialized Endorsements: Includes needlestick and infectious disease coverage for healthcare clients
Zurich has been serving the US workers’ compensation market for over a century, operating through Zurich North America since 1912. The company is known for its customizable workers’ comp programs and clinical oversight. Its proactive claims handling is designed to help employers reduce medical costs and lost-time claims.
The insurer is a reliable option for brokers managing complex or program-driven accounts, especially those seeking more than just off-the-shelf solutions.