Embroker vs Travelers 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.

Travelers underwrites workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone. ⁸Company-reported. Workers-compensation product page, as read on 2026-09-23.

Not described in the reviewed sources.

A video transcript on the workers-compensation page is copyrighted to The Travelers Indemnity Company, which is consistent with that entity issuing workers compensation policies, though the page does not state that every workers-comp policy is issued by that entity rather than an affiliate. ⁸Company-reported. Video transcript credit on the workers-compensation page; not a policy-level disclosure of the issuing entity for a specific quote.

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.

Travelers says nearly every state requires most businesses to carry workers compensation insurance, but that in monopolistic states employers must buy coverage from a state-run fund, or may self-insure using a third-party administrator, so Travelers workers compensation is not purchasable there through Travelers itself. ⁸Company-reported. Workers-compensation FAQ answer, 'Who needs workers compensation insurance?'; the page does not list which states are monopolistic.

Travelers markets workers compensation to both large, multi-state employers and small businesses, and says it maintains state-specific requirement information because coverage terms and required forms vary by jurisdiction. ⁸Company-reported. Large-business and small-business sections and the 'Workers compensation laws vary by state' section.

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.

Travelers says the policy covers employees' medical expenses and lost wages for job-related injuries and diseases, includes employers liability coverage for related lawsuits not covered by workers-comp law, and that employers in monopolistic states may add employers liability separately as stop-gap coverage. ⁸Company-reported. Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state.

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.

Travelers reports internal outcome and cost-containment statistics for its workers-comp claim and risk-control programs, including 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to its Early Severity Predictor tool, and access to a network of 2.3 million medical providers. ⁸Company-reported. Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified.

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.

Travelers directs buyers to contact a local Travelers agent to find a workers compensation policy, and separately notes pricing depends on business location, type of work, total payroll and claims history rather than a fixed rate. ⁸Company-reported. Workers-compensation FAQ answers 'How can I buy workers compensation insurance?' and 'What determines the cost of a workers compensation policy?'

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.