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

HUB International brokers workers' comp and helps with worker misclassification, meaning telling employees from contractors; Chubb underwrites it for small businesses and offers an online quote.

Chubb covers small businesses up to $30 million in revenue and provides nurse case managers; HUB lists exclusions and offers worker-misclassification help. ^1,^2,³

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

Underwriter Versus Broker

Chubb underwrites workers' compensation directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. ¹

HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ³Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.

HUB's page does not name the insurer or state fund it would place a given client's coverage with, while Chubb is itself the entity issuing the policy. ³

Choose Chubb if you want direct underwriting and a stated claims response; choose HUB if contractor classification or listed exclusions are key. ¹

Coverage Detail on Each Page

Chubb's coverage highlights list medical expenses, lost wages, a waiver of subrogation option, various employer liability limits, and optional international travel coverage through a foreign package policy. ¹

HUB instead publishes a specific list of exclusions that can apply to a claim, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, or occurred while the employee was under the influence of drugs or alcohol. ³

A Service Chubb Doesn't Describe

HUB describes helping clients address worker misclassification liability and distinguish employees from contractors as part of its workers' compensation brokerage. ³

Chubb's documented service instead centers on claims handling after an injury occurs: internal nurse case managers, a return-to-work program, and adjuster contact within 24 hours of a lost-time claim assignment. ¹

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

Ask HUB which insurer or state fund it is proposing for the quote. ³
Ask HUB whether any of its listed exclusions, such as the off-premises or intoxication exclusions, would apply to the business's specific operations. ³
Ask Chubb for the specific employer liability limit, since its page describes the option without a dollar figure. ¹
Confirm whether HUB's misclassification review is included in the placement or offered as a separate service. ³
Confirm the business's revenue and class fall inside Chubb's published eligibility range before applying directly. ¹

Chubb vs HUB International Workers’ Compensation Insurance Compared

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

Criteria	Chubb Small Business Workers' Compensation Insurance	HUB International Workers' Compensation Insurance Brokerage
Who It’s For	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. ^1,²Company-reported. Coverage-highlights list on the small-business workers' compensation page.	HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. ³Company-reported. Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here.
Coverage Features	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. ¹Company-reported. Coverage-highlights list; specific options depend on the issued policy.	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. ³Company-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. ³Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law.
Role in This Line	Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. ¹Company-reported. Workers' Compensation for Small Business product page.	HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ³Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.
Risk Services	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. ¹Company-reported. Exceptional Service section of the small-business workers' compensation page; company-described service program.	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. ³Company-reported. Product-page misclassification-liability section; a company-reported advisory service.