HUB International vs 
Markel Insurance: How Do They Compare for Workers’ Compensation Insurance?
HUB says it helps with state regulations and worker misclassification and lists medical, wage, rehabilitation, and survivor benefits. Markel describes workplace injury and illness coverage subject to the state form. <OfferingCite provider="hub-international" id="wc-page" /> <OfferingCite provider="markel" id="markel-official-product" /> 4,7
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. 1,2,3
Read the HUB International profile
Read the HUB International Workers’ Compensation Insurance page
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 5,6
Read the Markel Insurance profile
Read the Markel Insurance Workers’ Compensation Insurance page
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. 8,9,10,11
Key Differences in Workers’ Compensation Insurance
State Rules and Worker Classification
HUB says workers’ compensation is required in 49 states and D.C., notes the Texas exception, and describes help distinguishing employees from contractors. Markel says state access and small-business class eligibility vary. Employers with contractors or multi-state workforces should ask how each handles classification and state obligations. 4 7
Benefits and Exclusions
HUB lists medical, disability, rehabilitation, partial wage, funeral, and survivor benefits, plus employer legal defense and settlements; its reviewed page also lists exclusions such as self-inflicted injury or intoxication. Markel summarizes injury and illness protection but leaves conditions to policy wording. Compare actual state forms and exclusions. 4 7
Broker or Carrier Contact
HUB brokers the line and helps clients navigate coverage options; Markel invites customers or brokers to contact its underwriting team. Those roles affect who compares insurers and who answers appetite questions. Confirm the policy issuer and service contact in each quote. 4 7
What to Confirm in Workers’ Compensation Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International
Review Score
2 rated sources
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-.[7][6]
Read HUB International reviewsMarkel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsOffering Details
HUB International vs Markel Insurance: Workers’ Compensation Insurance: documented features by provider
| Criteria | HUB International Workers' Compensation Insurance Brokerage | Markel workers compensation (official overview) |
|---|---|---|
| Role in This Line | HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. 4Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer. | Markel describes offering workers compensation for the audience stated on the cited product page. 7Company-reported. workers compensation marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 4Not found in reviewed sources. 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. 4Company-reported. Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here. | Small-business classes addressed by Markel's workers-compensation page; exact business eligibility and state availability are not universal. 7Company-reported. workers compensation marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 4Company-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. 4Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law. | The cited product page describes workers' compensation insurance for workplace injury and illness exposures, subject to the applicable policy and state requirements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. workers compensation marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 7Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. 4Company-reported. Product-page misclassification-liability section; a company-reported advisory service. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. 7Company-reported. workers compensation marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More HUB International vs Markel Insurance Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Workers' Compensation Insurance Brokers. 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.
Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Workers Compensation Insurance. Markel; Workers compensation product overview; coverage and services sections. Accessed 2026-09-30.
Workers’ Compensation Insurance Guide
- Workers’ 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.
- Small Business Insurance. 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.
- DWC employer information. 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.
- Employer resources. 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.
