---
title: "Chubb vs Risklytics Workers’ Compensation Insurance"
description: "Chubb underwrites workers' comp directly for a broad small-business range; Risklytics is a broker built around placing coverage for robotics, autonomy and AI risk."
canonical: "https://spot.insure/compare/chubb-vs-risklytics/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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

# Chubb vs Risklytics Workers’ Compensation Insurance

Chubb underwrites workers' comp directly for a broad small-business range; Risklytics is a broker built around placing coverage for robotics, autonomy and AI risk.

## Research Scope and Use

Use this comparison to evaluate Chubb and Risklytics 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 directly, for a wide range of classes including technology. Risklytics describes itself as a licensed producer and says it places the line with specialist insurers willing to write robotics, autonomy and AI risk, and charges no separate broker fee. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")

## 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 Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.risklytics.ai/ "Insurance for Frontier Tech") [7](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [11](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [12](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in Workers’ Compensation Insurance

### General Small-Business Underwriting Versus Specialist Placement

Chubb underwrites workers' compensation directly for small businesses, across a wide range of classes including technology, up to $30 million in revenue. [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")

Risklytics does not name the carrier that underwrites Risklytics Workers' Compensation Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [8](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..)

Because Risklytics places rather than underwrites the policy, the insurer for a given business depends on which specialist carrier accepts its risk profile, unlike Chubb's fixed underwriter. [8](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")

### How Each Prices the Line

Chubb's employer liability option appears on its coverage list without a published dollar amount, described there only as "various." [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business")

Risklytics says statutory limits for this line are set by state law rather than chosen by the buyer, and separately says there is no broker fee added on top of the premium, since its commission is paid by the carrier out of the premium. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

### Getting a Quote

Chubb's application path is a direct online quote request, or an appointed broker applying for a Chubb Appointment to bind the policy. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business")

Risklytics says it starts the process through its own online application, with a licensed producer staying on the file until the program binds. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Risklytics which specialist carrier it is proposing for the business's operations and whether that carrier is licensed in the business's state. [8](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")
- 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 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")
- Ask Risklytics to confirm in writing that no broker fee applies beyond the carrier-paid commission. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")
- Ask Risklytics what class-based limit a business in the applicant's industry typically requests, since statutory minimums vary by state. [8](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")

## Offering Details

| Criteria | Chubb Small Business Workers' Compensation Insurance | Risklytics Workers' Compensation Insurance |
| --- | --- | --- |
| 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..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Workers' Compensation Insurance with outside carriers; it says it does not underwrite policies itself. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| Issuing Insurer | Not described in the reviewed sources. | Risklytics does not name the carrier that underwrites Risklytics Workers' Compensation Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [8](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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..) | Risklytics says the coverage is required by law in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. [8](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | Risklytics describes Workers' Compensation as paying an injured employee's medical bills and part of their wages, citing a technician straining their back and a field installer falling from a ladder at a customer site as examples, and distinguishes it from general liability, which would answer a customer's own employee being hurt instead. [8](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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..) | Risklytics says statutory limits for this line are set by state law rather than chosen by the buyer. [8](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. [8](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |
| 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 Risklytics](https://spot.insure/compare/chubb-vs-risklytics): 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 Risklytics Commercial Property Insurance](https://spot.insure/compare/chubb-vs-risklytics/commercial-property)
- [Chubb vs Risklytics Cyber Insurance](https://spot.insure/compare/chubb-vs-risklytics/cyber)
- [Chubb vs Risklytics D&O Insurance](https://spot.insure/compare/chubb-vs-risklytics/directors-officers)
- [Chubb vs Risklytics General Liability Insurance](https://spot.insure/compare/chubb-vs-risklytics/general-liability)
- [Chubb vs Risklytics Inland Marine Insurance](https://spot.insure/compare/chubb-vs-risklytics/inland-marine)
- [Chubb vs Risklytics Tech E&O Insurance](https://spot.insure/compare/chubb-vs-risklytics/technology-errors-omissions)
- [Chubb vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-risklytics/umbrella-excess)
- [Alliance Risk vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/workers-compensation)
- [Alliance Risk vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/workers-compensation)
- [Amelia Risk vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/workers-compensation)
- [Amelia Risk vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/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.

### Risklytics

5. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
6. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
7. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
8. [Workers' Compensation Insurance](https://www.risklytics.ai/lines/workers-comp/). Risklytics; Coverage line: Workers’ Compensation; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
9. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

10. [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.
11. [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.
12. [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 2026-09-24. 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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