Alliance Risk vs HUB International: How Do They Compare for Workers’ Compensation Insurance?

HUB International brokers workers' comp, lists common claim exclusions and helps sort employees from contractors; Alliance Risk, also a broker, publishes indicative rate ranges and typical minimum premiums.

HUB lists exclusions such as employee fights, intoxication and post-termination injuries; Alliance publishes payroll rates and audits for misclassification. ^2,¹

What Are the Key Differences Between Alliance Risk and HUB International Workers’ Compensation Insurance?

Documented Exclusions

HUB lists exclusions that can apply to claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. ² Alliance Risk's page lists a shorter set of exclusions: off-duty injuries, self-inflicted injuries, drug- or alcohol-related accidents, and owner or partner injuries unless added by endorsement. ¹

Choose HUB if you need an itemized exclusion list; choose Alliance if you want payroll-rate examples and audit services. ²

State Mandate Details

HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. ² Alliance Risk instead frames the mandate around "nearly any business with W-2 employees" in most states, and separately names the monopolistic-fund states rather than the one state without a mandate. ¹

Misclassification Services

HUB describes helping clients address worker misclassification liability and distinguishing employees from contractors as part of its brokerage. ² Alliance Risk instead frames a similar concern as a payroll audit, checking for misclassified payroll and incorrect experience modifiers after coverage is in place. ¹

What Should You Confirm in Alliance Risk and HUB International Workers’ Compensation Insurance Quotes?

Ask HUB to name the insurer or state fund that would issue your policy, since its page says this varies by client and state. ²
Ask Alliance Risk for the exact rate and minimum premium your business would fall under. ¹
If you use subcontractors or 1099 workers, ask both companies how misclassification is checked and what it could cost you at audit. ² ¹
Confirm which specific exclusions from each list would apply to a disputed claim at your business. ² ¹

Alliance Risk vs HUB International Workers’ Compensation Compared

Alliance Risk vs HUB International: Workers’ Compensation Insurance: documented features by provider

Criteria	Alliance Risk Workers' Compensation Insurance	HUB International Workers' Compensation Insurance Brokerage
Who It’s For	Alliance Risk says nearly any business with W-2 employees needs workers' comp in most states, and highlights construction, manufacturing and healthcare as high-risk industries, along with employers using subcontractors, temps, seasonal workers, or a multi-state or remote workforce. ¹Company-reported. Workers' Compensation Insurance page, "Who Needs" section.	HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. ²Company-reported. Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here.
Coverage Features	Alliance Risk describes workers' comp as covering medical expenses, partial lost-wage replacement, temporary or permanent disability payments, rehabilitation and death benefits, while excluding off-duty injuries, self-inflicted injuries, drug- or alcohol-related accidents, and owner or partner injuries unless added by endorsement. ¹Company-reported. Workers' Compensation Insurance page, "What Does/Doesn't Cover" sections; the issued policy and state statute control actual terms.	HUB says workers' compensation covers medical bills, disability payments, rehabilitation and recovery costs, partial missed wages, and funeral or survivor benefits for injuries and illnesses sustained in the course of employment, plus an employer's legal defense fees and settlements for related workplace-injury lawsuits. ²Company-reported. Product-page coverage description; the issued policy and state law control an actual claim. HUB lists exclusions that can apply to workers' compensation claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. ²Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law.
Role in This Line	Alliance Risk places workers' compensation coverage and says it provides state-by-state compliance review, claims and injury analysis, and carrier negotiation and benchmarking as a broker service for this legally required line. ¹Company-reported. Workers' Compensation Insurance page, "Our Approach" section.	HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ²Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.
Risk Services	Alliance Risk lists workers' comp services including audits for misclassified payroll and incorrect experience modifiers, safety-program implementation through risk engineers, and structuring loss-sensitive versus guaranteed-cost programs. ¹Company-reported. Workers' Compensation Insurance page, "The Alliance Risk Difference" section.	HUB describes helping clients address worker misclassification liability and distinguishing employees from contractors as part of its workers' compensation brokerage, alongside broader risk-reduction guidance. ²Company-reported. Product-page misclassification-liability section; a company-reported advisory service.