A dispersion comprised of at least 49 wt % of additive particles, a polymerizable monomer, a dispersant and a solvent. Upon polymerization the dispersion forms a hard coat with a haze of at most 0.5% and a transmission of at least 90%. A hard coat comprises at least 49 wt % of additive particles dispersed in a polymer. A method of making a hard coat comprises forming a dispersion, applying the dispersion to one side of a substrate, and polymerizing the dispersion. The hard coat has a haze of at most 0.5% and a transmission of at least 90%.