Harper vs HUB International: How Do They Compare for Workers’ Compensation Insurance?

HUB International brokers workers' comp, helps with state rules and worker misclassification, and notes it is required in 49 states and the District of Columbia; Harper, a broker, sorts payroll into job classes and shops one application.

HUB lists exclusions such as off-premises, self-inflicted and post-termination injuries; Harper checks payroll class codes before binding. ^2,¹

What Are the Key Differences Between Harper and HUB International Workers’ Compensation Insurance?

Exclusions Versus Classification Accuracy

Harper says incorrect class codes can cause a large audit bill; HUB helps distinguish employees from contractors. Choose HUB if you need exclusion or worker-classification guidance; choose Harper if your payroll job codes need review before binding. ² ² ¹

Eligibility Framing

HUB says workers' compensation is required in 49 states and the District of Columbia, naming Texas as the exception. Harper says coverage is legally required in most states from a business's first employee and offers to confirm the exact requirement for a given state and headcount, without naming a specific exception state. ² ¹

Services Named for the Line

HUB describes helping clients address worker misclassification between employees and contractors as part of its workers' compensation brokerage. Harper describes a related but distinct service: classifying payroll into insurer-recognized job codes, which is about pricing accuracy rather than employee-versus-contractor status. ² ¹

What Should You Confirm in Harper and HUB International Workers’ Compensation Insurance Quotes?

Ask HUB which of its listed exclusions apply in the buyer's state, since exclusion language can vary by policy. ²
Ask Harper which job/class codes it assigned to the business and why. ¹
Neither reviewed page names the issuing insurer; request that in writing from both before binding. ² ¹
If contractor classification is a concern, ask HUB about its misclassification review and ask Harper how job-code classification differs from that question. ²

Harper vs HUB International Workers’ Compensation Insurance Compared

Harper vs HUB International: Workers’ Compensation Insurance: documented features by provider

Criteria	Harper Workers Compensation Insurance	HUB International Workers' Compensation Insurance Brokerage
Who It’s For	Harper says coverage is legally required in most states from a business's first employee, and that it will confirm the exact requirement for a given state and headcount. ¹Company-reported. Workers compensation page introduction and FAQ 'When am I required to carry it?'.	HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. ²Company-reported. Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here.
Coverage Features	Harper describes the coverage as paying medical costs and lost wages for employees injured on the job, funding rehabilitation, and including employer's liability for related lawsuits that fall outside the workers' comp system. ¹Company-reported. Workers compensation page's four coverage tiles; the issued policy and state comp statute control actual scope.	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. ²Company-reported. Product-page coverage description; the issued policy and state law control an actual claim. 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. ²Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law.
Role in This Line	Harper places workers' compensation coverage as a broker, pricing it off a client's actual payroll and job categories rather than underwriting the policy itself. ¹Company-reported. Workers compensation page introduction and 'Why Harper' section.	HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ²Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.
Risk Services	Harper says it classifies a client's payroll into the correct job/class codes before binding, since insurers price workers' comp by class code and a wrong classification is a common cause of a large bill at audit. ¹Company-reported. Workers compensation page 'We know this' section and FAQ 'What will the audit look like?'; a described placement practice, not an independently verified outcome.	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. ²Company-reported. Product-page misclassification-liability section; a company-reported advisory service.