Chubb vs 
TechInsurance Workers’ Compensation Insurance
Chubb underwrites workers' comp directly without publishing pricing; TechInsurance arranges the policy and publishes a median monthly cost across its own book of business.
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 TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 5,6
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. 8,9,10
Key Differences in Workers’ Compensation Insurance
Publishing a Price Point Versus Not
Chubb's page does not publish specific dollar limits or premium figures, describing employer liability limits only as "various." 4
TechInsurance says its workers' compensation policyholders pay a median of $54 per month, or about $643 a year, with the exact cost depending on employee count, location, claims history, policy limits, payroll and industry risk factors. 7Company-reported. Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
TechInsurance arranges rather than underwrites the policy, so that median figure describes its own book of business across whichever carriers it places, not a single insurer's rate like Chubb's. 7
A State-Fund Carve-Out Chubb's Page Doesn't Address
Chubb's page states an eligibility range, from one employee up to $30 million in revenue, without addressing state-fund requirements. 4
TechInsurance names Wyoming, Washington, Ohio and North Dakota as monopolistic states requiring purchase through a dedicated state fund rather than a private carrier, meaning it cannot place private coverage there the way it can elsewhere. 7
Structuring Payments for Small Accounts
Chubb's documented application path is a quote request online or through an appointed broker's Chubb Appointment, without describing payment-plan options. 4
TechInsurance mentions pay-as-you-go and minimum-premium policy structures as options for very small businesses, alongside licensed agents available to help with the online application. 7
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask TechInsurance which carrier it is proposing and whether the median $54-a-month figure applies to businesses like this one. 7
- Ask TechInsurance whether the business's state is one of the four monopolistic states, since it cannot place private coverage there. 7
- Ask Chubb for the specific employer liability limit, since its page describes the option without a dollar figure. 4
- Confirm the business's revenue and class fall inside Chubb's published eligibility range before applying directly. 4
- Ask TechInsurance whether a pay-as-you-go or minimum-premium structure would apply, and how that changes the audit process. 7
Offering Details
Chubb vs TechInsurance Workers’ Compensation Insurance: documented features by provider
| Criteria | Chubb Small Business Workers' Compensation Insurance | TechInsurance 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. 4Company-reported. Workers' Compensation for Small Business product page. | TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. 7Company-reported. Workers' compensation product page. |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page does not name the issuing insurer for a workers' compensation policy; TechInsurance notes that a small number of monopolistic states (it names Wyoming, Washington, Ohio and North Dakota) require purchasing coverage through a dedicated state fund rather than a private carrier. 7Not publicly disclosed. Workers' compensation product page as read on 2026-09-23. |
| 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. | TechInsurance says workers' comp requirements vary by state: most states require coverage once a business hires its first employee, Texas and South Dakota do not mandate it, and some states such as California require it for certain contractors even with no employees. 7Company-reported. Workers' compensation product page, Are you legally required to carry workers' comp insurance? section. |
| 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. | TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. 7Company-reported. Workers' compensation product page; general policy description, not a specific policy form. |
| 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. | TechInsurance says its workers' compensation policyholders pay a median of $54 per month, or about $643 a year, with the exact cost depending on employee count, location, claims history, policy limits, payroll and industry risk factors. 7Company-reported. Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| 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. | Not described in the reviewed sources. |
| 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. | You request workers' compensation quotes online through a short application; TechInsurance says licensed agents are available to help, and mentions pay-as-you-go and minimum-premium policy structures as options for very small businesses. 7Company-reported. Workers' compensation product page, How can I save money on workers' comp coverage? section. |
| 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 TechInsurance 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.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Workers' Compensation Insurance – Compare Quotes. TechInsurance; What does workers' compensation insurance cover? (emergency response, ongoing treatment, partial wages, employer's liability, death benefits); How much does workers' compensation insurance cost?; Are you legally required to carry workers' comp insurance?; Do sole proprietors and independent contractors need workers' compensation insurance? 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.
