---
title: "Chubb vs HUB International Workers’ Compensation Insurance"
description: "Chubb underwrites its small-business workers' comp policy directly; HUB brokers the line and publishes a detailed exclusions list and misclassification advisory service."
canonical: "https://spot.insure/compare/chubb-vs-hub-international/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-hub-international/workers-compensation)

# 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.

## Research Scope and Use

Use this comparison to evaluate Chubb and HUB International for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites small-business workers' compensation itself, for businesses up to $30 million in revenue. HUB is a broker that lists specific claim exclusions and describes helping clients address worker misclassification liability. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [8](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## 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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## 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](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business")

HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. [8](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

### 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business")

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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

### 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask HUB which insurer or state fund it is proposing for the quote. [8](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Ask Chubb for the specific employer liability limit, since its page describes the option without a dollar figure. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business")
- Confirm whether HUB's misclassification review is included in the placement or offered as a separate service. [8](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Confirm the business's revenue and class fall inside Chubb's published eligibility range before applying directly. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business")

## Offering Details

| 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. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Not found in reviewed sources; scope: 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and state law control an actual claim..)<br><br>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. [8](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: 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." [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Not found in reviewed sources; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: Exceptional Service section; company-reported service commitments, not an independently verified outcome..) | Not described in the reviewed sources. |

## Full Comparison

- [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses.
- [Chubb vs HUB International Builders Risk Insurance](https://spot.insure/compare/chubb-vs-hub-international/builders-risk)
- [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy)
- [Chubb vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-hub-international/cargo-transit)
- [Chubb vs HUB International Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-auto)
- [Chubb vs HUB International Commercial Property Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-property)
- [Chubb vs HUB International Crime Insurance](https://spot.insure/compare/chubb-vs-hub-international/crime)
- [Chubb vs HUB International Cyber Insurance](https://spot.insure/compare/chubb-vs-hub-international/cyber)
- [Chubb vs HUB International D&O Insurance](https://spot.insure/compare/chubb-vs-hub-international/directors-officers)
- [Chubb vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/employment-practices)
- [Chubb vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-hub-international/equipment-breakdown)
- [Chubb vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/fiduciary)
- [Chubb vs HUB International General Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/general-liability)
- [Chubb vs HUB International Inland Marine Insurance](https://spot.insure/compare/chubb-vs-hub-international/inland-marine)
- [Chubb vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-hub-international/kidnap-ransom)
- [Chubb vs HUB International Management Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/management-liability)
- [Chubb vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-hub-international/professional-errors-omissions)
- [Chubb vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-hub-international/representations-warranties)
- [Chubb vs HUB International Surety Bonds](https://spot.insure/compare/chubb-vs-hub-international/surety-bonds)
- [Chubb vs HUB International Tech E&O Insurance](https://spot.insure/compare/chubb-vs-hub-international/technology-errors-omissions)
- [Chubb vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/umbrella-excess)
- [Alliance Risk vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/workers-compensation)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation)
- [Amelia Risk vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/workers-compensation)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Chubb vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-corgi/workers-compensation)
- [Chubb vs Coverdash Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-coverdash/workers-compensation)

## Sources

### Chubb

1. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services list naming workers' compensation among Chubb's technology-industry offerings. Accessed 2026-09-23.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). 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.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). 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.
4. [Workers' Compensation Insurance for Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Small Business Workers' Compensation Coverage Highlights; Exceptional Service; Total Account Solution. Accessed 2026-09-23.

### HUB International

5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
8. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). 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

9. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-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.
10. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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.
11. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). 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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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