---
title: "Hiscox vs HUB International Workers’ Compensation Insurance"
description: "Hiscox only offers workers' comp to buyers who already hold Hiscox general liability, underwritten by Hartford; HUB brokers the line as a standalone product."
canonical: "https://spot.insure/compare/hiscox-vs-hub-international/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Hiscox vs HUB International Workers’ Compensation Insurance

Hiscox only offers workers' comp to buyers who already hold Hiscox general liability, underwritten by Hartford; HUB brokers the line as a standalone product.

## Research Scope and Use

Use this comparison to evaluate Hiscox and HUB International for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Hiscox requires a buyer to already hold or concurrently buy Hiscox general liability before it provides workers' compensation access, underwritten by Hartford Fire Insurance. HUB brokers workers' compensation as a standalone line without that prerequisite. [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## What Is Hiscox?

Hiscox is a U.S. small-business insurance brand whose website is operated by Hiscox Inc., a Delaware producer that does business in California as Hiscox Insurance Agency. Eligible firms can quote general liability, professional liability, cyber and a business owner’s policy online; other advertised lines are often placed with partner insurers, so the issuing company on each quote still has to be checked. [1](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [2](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance")

[Hiscox profile](https://spot.insure/insurance-providers/hiscox)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [6](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [10](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [11](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [12](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in Workers’ Compensation Insurance

### Access to the Line

Hiscox does not sell workers' compensation on its own; a buyer must already hold, or concurrently buy, a Hiscox general-liability policy before Hiscox will provide access, and the product isn't available for all classes. [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses")

HUB brokers workers' compensation directly, helping clients navigate state regulations and coverage options without requiring another HUB-placed policy first. [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

### 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. [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

### 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. [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Confirm whether you need to buy or already hold Hiscox general liability before it will quote workers' compensation. [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses")
- Ask HUB for the specific insurer or fund it would place your business with. [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Ask whether Hiscox's product is available for your business class, since the page says it isn't available for all classes. [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses")
- Ask HUB whether your state is the one exception it names (Texas) to its 49-state-plus-D.C. requirement figure. [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## Offering Details

| Criteria | Hiscox Workers Compensation Insurance | HUB International Workers' Compensation Insurance Brokerage |
| --- | --- | --- |
| 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. [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer..) |
| Issuing Insurer | Hiscox's workers'-compensation page footer names Hartford Fire Insurance Company, at One Hartford Plaza, Hartford, CT, as the underwriter, with coverage made available through Hiscox Inc. doing business as Hiscox Insurance Agency in California. [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-published footer disclosure; this is a different insurer from the Hiscox Insurance Company Inc. entity that underwrites Hiscox's own-catalogue products..) | The workers' compensation page does not name an issuing insurer or state fund; HUB places this coverage with insurers or funds that vary by client and state. [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the workers' compensation product page on 2026-09-23; no carrier is disclosed there..) |
| 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. [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: 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. [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and state law control an actual claim..)<br><br>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. [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page exclusions list; actual claim outcomes depend on the specific policy and state law..) |
| Limits and Retentions | The workers'-compensation page does not publish benefit limits, wage-replacement percentages or premium information; statutory benefit levels are generally set by state law rather than by Hiscox or Hartford. [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Not publicly disclosed; scope: Public product page as previously reviewed..) | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | 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. [9](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page misclassification-liability section; a company-reported advisory service..) |
| How to Apply | Hiscox lists workers' compensation among the products selectable from its small-business quote flow, routing eligible buyers who also carry (or are buying) general liability toward the Hartford-underwritten product. [5](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [4](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described product-selector listing; eligibility and binding conditions require confirmation on the actual application..) | Not described in the reviewed sources. |

## Full Comparison

- [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses.
- [Hiscox vs HUB International Business Owner’s Policy](https://spot.insure/compare/hiscox-vs-hub-international/business-owners-policy)
- [Hiscox vs HUB International Cyber Insurance](https://spot.insure/compare/hiscox-vs-hub-international/cyber)
- [Hiscox vs HUB International General Liability Insurance](https://spot.insure/compare/hiscox-vs-hub-international/general-liability)
- [Hiscox vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/hiscox-vs-hub-international/professional-errors-omissions)
- [Alliance Risk vs Hiscox Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hiscox/workers-compensation)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation)
- [Amelia Risk vs Hiscox Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hiscox/workers-compensation)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Chubb vs Hiscox Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-hiscox/workers-compensation)
- [Chubb vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-hub-international/workers-compensation)

## Sources

### Hiscox

1. [Website Terms & Conditions of Use](https://www.hiscox.com/terms-of-use). Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
2. [Get A Small Business Insurance Quote](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business). Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
3. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
4. [Workers Compensation Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance). Hiscox; Partnership with The Hartford; general liability required to purchase workers comp; not available for all classes; footer that coverage is made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hartford Fire Insurance, One Hartford Plaza, Hartford, CT 06155. Accessed 2026-09-16.
5. [Hiscox Small Business Insurance](https://www.hiscox.com/small-business-insurance). Hiscox; Product selector including workers compensation; partnership language for workers' compensation. Accessed 2026-09-16.

### HUB International

6. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
7. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
8. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
9. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; What is workers' compensation insurance?; Is Workers' Comp Required?; What's Covered; Misclassification Liability section; coverage exclusions list; state-requirement statement. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

10. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-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.
11. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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.
12. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). 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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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