With The Hartford's XactPAY® 1, you can pay your workers' compensation premiums on actual payroll instead of last year's headcount. Your cash flow won't be restricted by a large down payment or premiums based on inflated payroll numbers from prior years.


  • Eliminates large premium down payments
  • Minimizes audit adjustments
  • Premium is calculated on actual payrolls
  • No monthly billing or finance fees
  • Efficient online options – like online audit and premium wage reports – that help save you time
  • Improved cash flow management
  • The Hartford's workers' compensation experience – a market for over 100 years
  • Coverage benefits and services that help make up for lost wages and help get employees back to work a full week earlier than average 2