Embroker vs Marsh Workers’ Compensation Insurance

Embroker sells workers' compensation as a standalone policy and offers to package it with other coverages such as cyber and a business owners policy. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

Marsh McLennan Agency (MMA) places workers' compensation insurance as one line within its broader casualty insurance practice. ⁹Company-reported. MMA casualty insurance page, Workers' Compensation subsection.

Not described in the reviewed sources.

The reviewed page does not name a specific workers' compensation insurer. ⁹Not publicly disclosed. MMA casualty insurance page as read on 2026-09-23.

Embroker says workers' compensation is legally required for employers in most U.S. states, that four states (North Dakota, Ohio, Washington and Wyoming) are monopolistic and require buying from the state fund, and that solopreneurs without employees are typically not required to carry it. ⁴Company-reported. Product-page eligibility, 'Is Workers Compensation required by my state?' and 'Do self-employed business owners need workers compensation insurance?' sections; requirements vary by state and are not independently verified here.

Not described in the reviewed sources.

Embroker lists coverage for employee medical expenses, lost wages, rehabilitation, death benefits, and legal defense costs if an employee sues over a workplace injury; commuting injuries are excluded. ⁴Company-reported. Product-page What's covered and What's not included sections; the issued policy and declarations control.

MMA says workers' compensation insurance provides coverage for medical expenses, lost wages and other costs in the event of an on-the-job injury or death. ⁹Company-reported. MMA casualty insurance page; brief, general description rather than a specific policy form.

Embroker describes typical state minimum limits of $100,000 per occurrence and $100,000 per employee for injury claims, and $500,000 for disease-related claims, noting these limits vary by state and can be increased for a higher premium. ⁴Company-reported. Product-page 'What are Workers Compensation limits?' section; actual limits depend on the state and policy purchased.

Embroker says premiums are driven mainly by employee count, claims history, the type of work performed, and the employer's Experience Modification Rate (XMod), which compares a company's claims history to similar businesses over a three-year period. ⁴Company-reported. Product-page 'What does Workers Compensation insurance cost?' section.

Not described in the reviewed sources.

Not described in the reviewed sources.

MMA lists risk consulting, claims management using data analytics, and risk analytics as services it applies across its casualty program, which includes workers' compensation. ⁹Company-reported. MMA casualty insurance page, Casualty Coverage section; described for the casualty practice broadly, not exclusively for workers' compensation.

Embroker offers an instant online quote for workers' compensation through its digital platform. ⁴Company-reported. Product-page 'Get started with Embroker to receive an instant workers compensation insurance quote' call to action; no quote was requested during this research.

You work with an MMA casualty specialist directly; the page names an account manager contact and describes advisor-led placement rather than an online quote. ⁹Company-reported. MMA casualty insurance page.

Embroker describes a claims process where the employer documents the injury, provides paperwork to the employee, and files with the insurer, typically within a 30-day reporting window; the insurer can deny claims involving horseplay, intoxication, commuting or self-inflicted injury, and an approved claim generally pays medical costs plus about two-thirds of the employee's regular weekly wage. ⁴Company-reported. Product-page 'How do Workers Compensation claims work?' and related FAQ sections; general process description, not a guarantee of a particular outcome.

Not described in the reviewed sources.