---
title: "HUB International vs Marsh McLennan Agency: Workers’ Compensation Insurance"
description: "HUB International’s cited claim says: “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.” Its recorded scope says: “Product-page misclassification-liability section; a company-reported advisory service.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.” These records address different subjects and do not establish a like-for-like comparison, so this route remains on evidence hold."
canonical: "https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "hub-international-vs-marsh-mclennan-agency"
provider-a: "hub-international"
provider-b: "marsh-mclennan-agency"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Marsh McLennan Agency 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 Marsh McLennan Agency. 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 Marsh McLennan Agency for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, HUB International or Marsh McLennan Agency?
- What does HUB International or Marsh McLennan Agency 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 Marsh McLennan Agency?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: HUB International and Marsh McLennan Agency.
- 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [HUB International vs Marsh McLennan Agency](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency) — 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)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [HUB International vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/surety-bonds) — 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 Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation) — sibling comparison (other line, or other pair for this line)

# HUB International vs Marsh McLennan Agency: How Do They Compare for Workers’ Compensation Insurance?

HUB International’s cited claim says: “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.” Its recorded scope says: “Product-page misclassification-liability section; a company-reported advisory service.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.” These records address different subjects and do not establish a like-for-like comparison, so this route remains on evidence hold.

## How to Use the HUB International vs Marsh McLennan Agency Workers’ Compensation Insurance Comparison

Use this comparison to evaluate HUB International and Marsh McLennan Agency 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.

## HUB International vs Marsh McLennan Agency Workers’ Compensation Insurance Summary

HUB International’s cited claim says: “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.” Its recorded scope says: “Product-page misclassification-liability section; a company-reported advisory service.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.” The selected scopes limit each statement to its cited workers’ compensation material; the evidence does not establish a shared comparison dimension, so this route remains on evidence hold. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")

## 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 Marsh McLennan Agency?

Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [5](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [6](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

[Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## 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")

## What Are the Key Differences Between HUB International and Marsh McLennan Agency Workers’ Compensation Insurance?

### Worker classification and the available comparison record

HUB International’s selected workers’ compensation claim describes help with distinguishing employees from contractors and addressing misclassification liability, framed as a company-reported brokerage advisory service. Its source locator identifies the product page’s Misclassification Liability section. Marsh McLennan Agency’s selected claim describes the line as a business coverage option alongside broad safety and prevention support; its page locator says only that workers’ compensation is listed among business options and that risk services address safety and prevention. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")

### Evidence boundary for this pair

These records speak to different subjects: HUB names worker-classification advice, while Marsh McLennan Agency gives a general line listing and prevention description. The MMA locator does not establish comparable classification review, quote intake, or policy-benefit language. There is no supported second side for the same buyer question, so this route is held from comparison. That evidence limit does not establish that MMA lacks those services or terms; it means the cited page cannot support them. Reopen only with a direct, line-specific MMA source on the same classification-advisory or policy-benefit dimension. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")

## What Should You Confirm in HUB International and Marsh McLennan Agency Workers’ Compensation Insurance Quotes?

- Which current MMA workers’ compensation source describes its classification or contractor-status advisory work? [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA")
- Which HUB source describes the cited misclassification service and its scope for a buyer’s operation? [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## HUB International vs Marsh McLennan Agency Workers’ Compensation Compared

| Criteria | HUB International Workers' Compensation Insurance Brokerage | Marsh McLennan Agency 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. [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..) | Marsh McLennan Agency describes arranging workers compensation for the audience stated on the cited product page. [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; 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. [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..) | Businesses seeking commercial insurance and risk-management support; exact state and class eligibility is placement-specific. [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; 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. [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 cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; 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. [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Not publicly disclosed; scope: 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. [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 page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [7](https://www.marshmma.com/us/services/business-insurance.html "Business Insurance | MMA") (Evidence: Company-reported; scope: workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Related Pages for HUB International vs Marsh McLennan Agency

- [HUB International vs Marsh McLennan Agency](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency): 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 Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/builders-risk)
- [HUB International vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cargo-transit)
- [HUB International vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-auto)
- [HUB International vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-property)
- [HUB International vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/crime)
- [HUB International vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cyber)
- [HUB International vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/directors-officers)
- [HUB International vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/employment-practices)
- [HUB International vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/fiduciary)
- [HUB International vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/general-liability)
- [HUB International vs Marsh McLennan Agency Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/kidnap-ransom)
- [HUB International vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/professional-errors-omissions)
- [HUB International vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/surety-bonds)
- [AIG vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-hub-international/workers-compensation)
- [AIG vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/workers-compensation)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation)
- [Alliance Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/workers-compensation)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Amelia Risk vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/workers-compensation)

## Sources for HUB International vs Marsh McLennan Agency

### Sources About 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.

### Sources About Marsh McLennan Agency

5. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29.
6. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29.
7. [Business Insurance | MMA](https://www.marshmma.com/us/services/business-insurance.html). Marsh McLennan Agency; Workers' compensation is named among business coverage options; risk services address safety and prevention.. Accessed 2026-09-30.

### Sources for the 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 2026-10-01. 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 Review Scores for 2026

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).

## Marsh McLennan Agency Review Scores for 2026

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/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)