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

Hiscox names Hartford Fire Insurance Company as underwriter of its workers' comp and requires a Hiscox general liability policy; HUB International brokers it and notes coverage is required in 49 states and DC, with common exclusions listed.

Hiscox makes workers’ comp access contingent on a Hiscox general-liability policy; HUB brokers it as a standalone line and provides broader state and coverage guidance. ^1,³

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

Access to the Line

Hiscox requires you to hold or buy its general-liability policy, and says workers’ comp is unavailable for some business classes. ¹ HUB brokers workers’ comp directly and describes state-regulation and coverage guidance, without requiring another HUB policy. ³ Choose Hiscox if you already qualify for its general-liability policy and want to bundle; choose HUB if you need workers’ comp without that prerequisite. ³

Who Underwrites the Policy

Hiscox names its underwriting partner on the workers'-compensation page footer: Hartford Fire Insurance Company. HUB's page does not name an insurer, describing only that it places coverage with insurers or funds that vary by client and state. ¹ ³

Coverage Detail Published

HUB's page publishes a specific exclusions list, covering injuries originating outside the workplace, self-inflicted injuries and several other scenarios. Hiscox's page describes the coverage only in general terms as statutory workers' compensation through its Hartford partnership, without a comparable exclusions list. ³ ¹

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

Confirm whether you need to buy or already hold Hiscox general liability before it will quote workers' compensation. ¹
Ask HUB for the specific insurer or fund it would place your business with. ³
Ask whether Hiscox's product is available for your business class, since the page says it isn't available for all classes. ¹
Ask HUB whether your state is the one exception it names (Texas) to its 49-state-plus-D.C. requirement figure. ³

Hiscox vs HUB International Workers’ Compensation Insurance Compared

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

Criteria	Hiscox Workers Compensation Insurance	HUB International Workers' Compensation Insurance Brokerage
Who It’s For	Hiscox says workers' compensation access requires the buyer to already hold, or concurrently purchase, a Hiscox general-liability policy, and that the product is not available for all classes of business. ¹Company-reported. Company-stated prerequisite and class limitation; specific excluded classes are not listed on the page.	HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. ³Company-reported. Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here.
Coverage Features	The workers'-compensation page describes the product in general terms as statutory workers' compensation coverage through the Hartford partnership; it does not add Hiscox-specific coverage enhancements beyond what a standard Hartford workers'-compensation policy would include. ¹Company-reported. Company-stated partnership product; specific policy wording and state benefit levels are set by Hartford's issued policy and applicable state law.	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. ³Company-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. ³Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law.
Role in This Line	For workers' compensation, Hiscox Inc. acts as an access point to a partner insurer rather than underwriting the coverage itself, and requires the buyer to also hold a Hiscox general-liability policy before it will provide access to workers' compensation. ¹Company-reported. Company-stated partnership structure; this differs from Hiscox's own-catalogue general liability, professional liability, cyber and BOP products, which are underwritten by its own affiliated insurer.	HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ³Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.

Criteria

Hiscox Workers Compensation Insurance

HUB International Workers' Compensation Insurance Brokerage

Who It’s For

Hiscox says workers' compensation access requires the buyer to already hold, or concurrently purchase, a Hiscox general-liability policy, and that the product is not available for all classes of business. ¹Company-reported. Company-stated prerequisite and class limitation; specific excluded classes are not listed on the page.

HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. ³Company-reported. Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here.

Coverage Features

The workers'-compensation page describes the product in general terms as statutory workers' compensation coverage through the Hartford partnership; it does not add Hiscox-specific coverage enhancements beyond what a standard Hartford workers'-compensation policy would include. ¹Company-reported. Company-stated partnership product; specific policy wording and state benefit levels are set by Hartford's issued policy and applicable state law.

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. ³Company-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. ³Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law.

Role in This Line

For workers' compensation, Hiscox Inc. acts as an access point to a partner insurer rather than underwriting the coverage itself, and requires the buyer to also hold a Hiscox general-liability policy before it will provide access to workers' compensation. ¹Company-reported. Company-stated partnership structure; this differs from Hiscox's own-catalogue general liability, professional liability, cyber and BOP products, which are underwritten by its own affiliated insurer.

HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ³Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.