Chubb vs Embroker Workers’ Compensation Insurance

Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. ⁴Company-reported. Workers' Compensation for Small Business product page.

Embroker sells workers' compensation as a standalone policy and offers to package it with other coverages such as cyber and a business owners policy. ⁸Company-reported. Product-page description; not a statement about the issuing insurer.

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. ^4,1Company-reported. Coverage-highlights list on the small-business workers' compensation page.

Embroker says workers' compensation is legally required for employers in most U.S. states, that four states (North Dakota, Ohio, Washington and Wyoming) are monopolistic and require buying from the state fund, and that solopreneurs without employees are typically not required to carry it. ⁸Company-reported. Product-page eligibility, 'Is Workers Compensation required by my state?' and 'Do self-employed business owners need workers compensation insurance?' sections; requirements vary by state and are not independently verified here.

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. ⁴Company-reported. Coverage-highlights list; specific options depend on the issued policy.

Embroker lists coverage for employee medical expenses, lost wages, rehabilitation, death benefits, and legal defense costs if an employee sues over a workplace injury; commuting injuries are excluded. ⁸Company-reported. Product-page What's covered and What's not included sections; the issued policy and declarations control.

The reviewed page does not publish specific dollar limits for medical expense or employer liability coverage, describing employer liability limits only as "various." ⁴Not found in reviewed sources. Workers' Compensation for Small Business page as read on 2026-09-23.

Embroker describes typical state minimum limits of $100,000 per occurrence and $100,000 per employee for injury claims, and $500,000 for disease-related claims, noting these limits vary by state and can be increased for a higher premium. ⁸Company-reported. Product-page 'What are Workers Compensation limits?' section; actual limits depend on the state and policy purchased.

Embroker says premiums are driven mainly by employee count, claims history, the type of work performed, and the employer's Experience Modification Rate (XMod), which compares a company's claims history to similar businesses over a three-year period. ⁸Company-reported. Product-page 'What does Workers Compensation insurance cost?' section.

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. ⁴Company-reported. Exceptional Service section of the small-business workers' compensation page; company-described service program.

Not described in the reviewed sources.

You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. ⁴Company-reported. Small-business workers' compensation page quote call-to-action for business owners and for agents and brokers.

Embroker offers an instant online quote for workers' compensation through its digital platform. ⁸Company-reported. Product-page 'Get started with Embroker to receive an instant workers compensation insurance quote' call to action; no quote was requested during this research.

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. ⁴Company-reported. Exceptional Service section; company-reported service commitments, not an independently verified outcome.

Embroker describes a claims process where the employer documents the injury, provides paperwork to the employee, and files with the insurer, typically within a 30-day reporting window; the insurer can deny claims involving horseplay, intoxication, commuting or self-inflicted injury, and an approved claim generally pays medical costs plus about two-thirds of the employee's regular weekly wage. ⁸Company-reported. Product-page 'How do Workers Compensation claims work?' and related FAQ sections; general process description, not a guarantee of a particular outcome.