---
title: "HUB International vs Insureon: Workers’ Compensation Insurance"
description: "HUB brokers workers’ compensation and describes broad statutory benefits and exclusions; Insureon summarizes medical costs and lost wages and offers online requests."
canonical: "https://spot.insure/compare/hub-international-vs-insureon/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hub-international-vs-insureon"
provider-a: "hub-international"
provider-b: "insureon"
coverage-line: "workers-compensation"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-insureon/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Insureon for Workers’ Compensation Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Workers’ Compensation Insurance questions about HUB International versus Insureon. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Insureon for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, HUB International or Insureon?
- What does HUB International or Insureon publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from HUB International or Insureon?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: HUB International and Insureon.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [HUB International vs Insureon](https://spot.insure/compare/hub-international-vs-insureon) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Insureon profile](https://spot.insure/insurance-providers/insureon) — provider profile (evidence)
- [HUB International vs Insureon Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-insureon/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-insureon/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-insureon/commercial-property) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Cyber Insurance](https://spot.insure/compare/hub-international-vs-insureon/cyber) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Fidelity Bonds](https://spot.insure/compare/hub-international-vs-insureon/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon General Liability Insurance](https://spot.insure/compare/hub-international-vs-insureon/general-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-insureon/inland-marine) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-insureon/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-insureon/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-insureon/workers-compensation) — sibling comparison (other line, or other pair for this line)

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

HUB brokers workers’ compensation and describes broad statutory benefits and exclusions; Insureon summarizes medical costs and lost wages and offers online requests.

## Research Scope and Use

Use this comparison to evaluate HUB International and Insureon 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

HUB lists disability, rehabilitation, survivor benefits, and several claim exclusions; Insureon’s overview highlights medical costs and lost wages for work injuries. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [7](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes")

## What Is HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

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

## What is Insureon?

Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. [5](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [6](https://www.insureon.com/small-business-insurance/general-liability "General Liability Insurance - Get Online Quotes")

[Insureon profile](https://spot.insure/insurance-providers/insureon)

## What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [8](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [9](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [10](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [11](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## Key Differences in Workers’ Compensation Insurance

### Benefits Described

HUB lists medical bills, disability payments, rehabilitation, partial missed wages, funeral or survivor benefits, and employer legal defense and settlements for related injury suits. Insureon’s summary names medical costs and lost wages but does not detail rehabilitation, survivor benefits, or employer-liability lawsuits. Ask Insureon to confirm those items in the actual form and compare the applicable state benefits rather than relying only on the short overview. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [7](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes")

### Exclusions and State Rules

HUB names examples of exclusions, including self-inflicted injuries, certain fights, felony-related injuries, and incidents involving drugs or alcohol; it also says coverage is required in 49 states and D.C., with Texas as an exception. Insureon’s page leaves the state and carrier rules for an applicant unresolved. If your operations cross state lines, ask both providers to identify where coverage is required and which policy exclusions apply in each location. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [7](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask HUB which listed exclusions apply in each state and whether employer-liability limits are part of the quote. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Ask Insureon to list state requirements, exclusions, and benefits beyond medical and wage payments. [7](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes")

## Offering Details

| Criteria | HUB International Workers' Compensation Insurance Brokerage | Insureon Workers’ Compensation Insurance |
| --- | --- | --- |
| Role in This Line | HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. [4](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..) | Insureon markets Workers’ Compensation and offers online quote requests for small businesses. [7](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Issuing Insurer | 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. [4](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..) | Confirm in your quote. |
| Who It’s For | HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. [4](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..) | The page is directed to employers with employees; the state and carrier rules for a particular business are not established by this marketing page. [7](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Coverage Features | 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. [4](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. [4](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..) | The page describes benefits for employees injured at work, including medical costs and lost wages; applicable benefits and policy terms are not determined by the overview. [7](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Limits and Retentions | Confirm in your quote. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [7](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | 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. [4](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..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. [7](https://www.insureon.com/small-business-insurance/workers-compensation "Workers’ Comp Insurance: Buy Online & Get Free Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |

## Full Comparison

- [HUB International vs Insureon](https://spot.insure/compare/hub-international-vs-insureon): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [HUB International vs Insureon Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-insureon/business-owners-policy)
- [HUB International vs Insureon Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-insureon/commercial-auto)
- [HUB International vs Insureon Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-insureon/commercial-property)
- [HUB International vs Insureon Cyber Insurance](https://spot.insure/compare/hub-international-vs-insureon/cyber)
- [HUB International vs Insureon Fidelity Bonds](https://spot.insure/compare/hub-international-vs-insureon/fidelity-bonds)
- [HUB International vs Insureon General Liability Insurance](https://spot.insure/compare/hub-international-vs-insureon/general-liability)
- [HUB International vs Insureon Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-insureon/inland-marine)
- [HUB International vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-insureon/umbrella-excess)
- [AIG vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-hub-international/workers-compensation)
- [AIG vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-insureon/workers-compensation)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation)
- [Alliance Risk vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/workers-compensation)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Amelia Risk vs Insureon Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-insureon/workers-compensation)

## Sources

### HUB International

1. [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.
2. [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.
3. [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.
4. [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.

### Insureon

5. [How Insureon Works](https://www.insureon.com/about-us/how-insureon-works). Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
6. [General Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/general-liability). Insureon; Coverage/product overview; illustrative third-party claims; quote CTA.. Accessed 2026-09-29.
7. [Workers’ Comp Insurance: Buy Online & Get Free Quotes](https://www.insureon.com/small-business-insurance/workers-compensation). Insureon; Product overview L67-L85; coverage examples L95-L121; quote/application path L343-L365.. Accessed 2026-09-29.

### Workers’ Compensation Insurance Guide

8. [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.
9. [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.
10. [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.
11. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## HUB International Reviews

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Insureon Reviews

Review Score: 5.8 / 10 from 4 rated sources, equally weighted.

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.

- Trustpilot: TrustScore 4.5 (out of 5); 2401 reviews. Insureon's own Trustpilot profile (claimed since 2014), checked 2026-09-29. Reviews are collected by Insureon, so they are not a random sample. Period: all time; 548 in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Insureon Reviews | Trustpilot](https://www.trustpilot.com/review/www.insureon.com)
- ConsumerAffairs: Displayed listing rating 1.0 (out of 5); 344 reviews. Insureon listing on ConsumerAffairs, page updated 2026-08-14 (read in an earlier pass; the numbers were not re-confirmed on the latest check). Period: page updated 2026-08-14. Checked 2026-09-29. [Insureon Reviews (From First-hand Experiences)](https://www.consumeraffairs.com/insurance/insureon.html)
- BBB: BBB business grade A+. BBB Chicago/Northern Illinois profile for Insureon; BBB Accredited since 2025-08-29. Checked 2026-09-29. [Insureon | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675)
- BBB: Customer-review rating 1 (out of 5); 2 reviews. Two self-selected customer reviews on the BBB profile (read earlier; the 2 count was reconfirmed 2026-09-29). Period: BBB profile checked 2026-09-29. Checked 2026-09-29. [Insureon | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/customer-reviews)
- BBB: Complaints 6. BBB complaint list for Insureon; no policy-volume denominator. Period: closed in the last three years (BBB, 2026-09-29). Checked 2026-09-29. [Insureon | BBB Complaints](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/insureon/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-insureon/workers-compensation.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)