Hearten Workers’ Compensation meets the distinct needs of social service organizations with solutions beyond traditional insurance.
We provide a straightforward, alternative insurance solution designed to fit the unique needs of social service organizations.
Hearten is a member-owned workers’ compensation captive created by and for social service organizations.
We provide a tailored alternative to traditional workers’ comp insurance, designed to meet the unique needs of agencies dedicated to helping others.
As a member-owned program, Hearten gives organizations more control over coverage and claims management, with profits potentially returned as dividends. Our focus on stability, cost-efficiency, and proactive risk management ensures your organization is protected while reducing exposure to unpredictable market fluctuations.
Program Benefits
Member-Owned Advantage – Members have a say in program decisions and enjoy potential dividends based on performance.
Stable, Predictable Rates – Protect your organization from cyclical rate swings common in traditional insurance markets.
Tailored Workers’ Comp Coverage – Designed specifically for social service organizations, addressing risks that standard policies may overlook.
Proactive Claims & Risk Management – High-quality loss control, safety programs, and online tools to minimize claims and medical costs.
Transparent Financial Reporting – Quarterly financial statements and monthly loss runs keep members informed.
Long-Term Cost Savings – By focusing on loss prevention and program efficiency, members benefit from reduced claims costs over time.
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