Amelia Risk vs 
Chubb Workers’ Compensation Insurance
Chubb underwrites workers' comp directly for businesses up to $30 million in revenue; Amelia Risk brokers the line and doesn't name an insurer.
What Is Amelia Risk?
Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. 1,2,3
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 6,7,8
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. 10,11,12
Key Differences in Workers’ Compensation Insurance
Underwriting Directly Versus Brokering to a Panel
Chubb underwrites workers' comp itself, covering small businesses with as little as one employee up to $30 million in revenue. 9 Amelia Risk, by contrast, is a brokerage rather than an insurer, and its dedicated workers' comp page does not name the carrier that would issue a policy, saying only that the issuer depends on underwriting and state requirements. 4
A Named Claims Timeline Versus a Named Quote Process
Chubb commits to a specific claims-response window:
Chubb says it commits to adjuster contact within 24 hours of receiving a lost-time claim assignment, offers simple online claims reporting, and re-prices every medical bill according to each state's fee schedule. 9Company-reported. Exceptional Service section; company-reported service commitments, not an independently verified outcome.
Amelia Risk's page instead describes a quote process, not a claims process: it gathers company information, approaches insurers on the client's behalf, reviews the resulting quotes with the client, and lets the client decide. 2
How Premium Is Explained
Amelia Risk explains the mechanics of pricing directly, saying premium is calculated as payroll multiplied by a rate, though it doesn't publish specific rate figures. 4 Chubb's reviewed page does not explain a premium formula, and it doesn't publish dollar limits for medical expense or employer-liability coverage, describing employer-liability limits only as "various." 9
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask Chubb for the specific employer-liability limit options on your quote, since its page describes them only as "various." 9
- Ask Amelia Risk which insurers it approached for your quote and why it recommended the one it did. 2
- If your business exceeds $30 million in revenue, confirm whether Chubb's small-business workers' comp product still applies. 9
- Ask Amelia Risk for the specific rate applied to your payroll, since its page explains the formula but not the figures. 4
Offering Details
Amelia Risk vs Chubb Workers’ Compensation Insurance: documented features by provider
| Criteria | Workers Compensation | Chubb Small Business Workers' Compensation Insurance |
|---|---|---|
| Role in This Line | Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. 5Company-reported. Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy. | Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. 9Company-reported. Workers' Compensation for Small Business product page. |
| Issuing Insurer | The dedicated Workers Compensation page does not name an issuing insurer, state fund or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the carrier for a Workers Compensation placement depends on underwriting and state requirements. 4,2Not publicly disclosed. Dedicated Workers Compensation page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists. | Not described in the reviewed sources. |
| Who It’s For | Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. 4Company-reported. Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state. | Chubb says this policy covers small businesses with as little as one employee up to $30 million in revenue, across a wide range of classes including technology. 9,6Company-reported. Coverage-highlights list on the small-business workers' compensation page. |
| Coverage Features | Amelia Risk describes Workers Compensation as statutory coverage required by all 50 states, paying an injured employee's medical bills when the employee is hurt or injured at work. 4Company-reported. Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form. Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. 4Company-reported. Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component. | Chubb lists coverage for medical expenses and lost wages, a waiver of subrogation option, various employer liability limits, and occasional international travel coverage available through a foreign package policy. 9Company-reported. Coverage-highlights list; specific options depend on the issued policy. |
| Limits and Retentions | Amelia Risk states that Workers Compensation premium is calculated as a function of payroll multiplied by a rate; the page does not publish specific rate figures or a rating class table. 4Company-reported. Dedicated Workers Compensation page. A general pricing-mechanics statement, not a quote or rate schedule. | The reviewed page does not publish specific dollar limits for medical expense or employer liability coverage, describing employer liability limits only as "various." 9Not found in reviewed sources. Workers' Compensation for Small Business page as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | Chubb describes internal nurse case managers, a return-to-work program, pharmacy benefit management, preferred-provider network access, and a Special Investigative Unit for suspected fraud as part of its workers' compensation claims service. 9Company-reported. Exceptional Service section of the small-business workers' compensation page; company-described service program. |
| How to Apply | Amelia Risk applies its general four-step brokerage process to a Workers Compensation request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. 2Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Workers Compensation-specific intake form. | You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. 9Company-reported. Small-business workers' compensation page quote call-to-action for business owners and for agents and brokers. |
| Claims Support | Not described in the reviewed sources. | Chubb says it commits to adjuster contact within 24 hours of receiving a lost-time claim assignment, offers simple online claims reporting, and re-prices every medical bill according to each state's fee schedule. 9Company-reported. Exceptional Service section; company-reported service commitments, not an independently verified outcome. |
Full Comparison
More Amelia Risk vs Chubb Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
Amelia Risk
- Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
- Our Specialties. Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
- About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
- Workers Compensation. Amelia Risk Insurance Brokers; What's covered by a Workers Compensation Policy?; premium as payroll x rate; Employer's Liability; When should a company buy a Workers Compensation Policy? Accessed 2026-09-23.
- Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Workers Compensation. Accessed 2026-09-23.
Chubb
- Insurance for Technology Companies. Chubb; Products and services list naming workers' compensation among Chubb's technology-industry offerings. Accessed 2026-09-23.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Workers' Compensation Insurance for Small Business. Chubb; Small Business Workers' Compensation Coverage Highlights; Exceptional Service; Total Account Solution. Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
