Hearten Workers' Compensation
Your member-owned workers’ compensation captive program.
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Where Workers’ Compensation Meets Compassion
What We Do
We take a common-sense approach, grounded in deep expertise in alternative insurance solutions, to find the right solution for you.
Tired of unpredictable workers’ compensation rates year after year? For social service organizations, rising comp costs can strain already-tight budgets, and traditional insurance offers little transparency or control.
That’s where Hearten Workers’ Compensation changes the game.
What We Deliver
Hearten delivers a smarter, more intentional alternative to one-size-fits-all insurance. It’s built for the unique risks of social services, not generic industries, so members can finally take charge of their workers’ comp spend instead of being surprised at renewal.
At its core, Hearten is a member-owned workers’ compensation captive created by social service organizations that wanted something better…and decided to build it.
More stability. More protection. More control.
Our Program Benefits
Gain stability and control over
your workers’ comp costs.
Take control of your budget with predictable rates, transparent reporting, and proactive claims handling designed specifically for social services.
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What Makes Us Different
Who We Are and What We Do
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