Chubb vs 
HUB International Workers’ Compensation Insurance
Chubb underwrites its small-business workers' comp policy directly; HUB brokers the line and publishes a detailed exclusions list and misclassification advisory service.
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. 1,2,3
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 5,6,7
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. 9,10,11
Key Differences in 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. 4
HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. 8Company-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. 8
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. 4
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. 8
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. 8
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. 4
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask HUB which insurer or state fund it is proposing for the quote. 8
- Ask HUB whether any of its listed exclusions, such as the off-premises or intoxication exclusions, would apply to the business's specific operations. 8
- Ask Chubb for the specific employer liability limit, since its page describes the option without a dollar figure. 4
- Confirm whether HUB's misclassification review is included in the placement or offered as a separate service. 8
- Confirm the business's revenue and class fall inside Chubb's published eligibility range before applying directly. 4
Offering Details
Chubb vs HUB International Workers’ Compensation Insurance: documented features by provider
| Criteria | Chubb Small Business Workers' Compensation Insurance | HUB International Workers' Compensation Insurance Brokerage |
|---|---|---|
| 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. 4Company-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. 8Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Not described in the reviewed sources. | The workers' compensation page does not name an issuing insurer or state fund; HUB places this coverage with insurers or funds that vary by client and state. 8Not found in reviewed sources. Checked the workers' compensation product page on 2026-09-23; no carrier is disclosed there. |
| 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. 4,1Company-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. 8Company-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. 4Company-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. 8Company-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. 8Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law. |
| Limits and Retentions | 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. | Not described in the reviewed sources. |
| 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. 4Company-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. 8Company-reported. Product-page misclassification-liability section; a company-reported advisory service. |
| How to Apply | 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. | Not described in the reviewed sources. |
| Claims Support | 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. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs HUB International Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
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.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Workers' Compensation Insurance Brokers. HUB International; What is workers' compensation insurance?; Is Workers' Comp Required?; What's Covered; Misclassification Liability section; coverage exclusions list; state-requirement statement. 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.
