We offer a common-sense approach that is rooted in a deep understanding of alternative insurance solutions and offers a solution that’s right 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 rarely offers transparency or control.

That’s where Hearten Workers’ Compensation changes the game.

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.