HUB International vs 
Marsh Workers’ Compensation Insurance
HUB publishes a detailed coverage and exclusions list for workers' comp; Marsh McLennan Agency treats the line as a brief part of a broader casualty page.
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. 1,2,3
What Is Marsh?
Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. 5,6,7,8
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. 10,11,12
Key Differences in Workers’ Compensation Insurance
Depth of Coverage Detail
HUB's page spells out both what's covered and a specific exclusions list, naming scenarios like injuries originating outside the workplace, self-inflicted injuries and claims filed after termination. 4
Marsh McLennan Agency (MMA) treats workers' compensation as a brief subsection of a broader casualty page, describing it only as coverage for medical expenses, lost wages and related costs without a comparable exclusions list. 9
State Requirement Detail
HUB states a specific figure: workers' compensation is required in 49 states and D.C., with Texas as the named exception. MMA's page does not publish a comparable state-count figure for this line. 4 9
Services Described
HUB documents a misclassification-liability advisory service specific to this line, helping clients distinguish employees from contractors. MMA instead lists risk consulting, claims management and risk analytics applied across its whole casualty program, not workers'-compensation-specific. 4 9
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask HUB whether your state is the one exception it names (Texas) to the 49-state-plus-D.C. requirement. 4
- Ask MMA which insurer would issue your policy, since its casualty page names none. 9
- Ask HUB for the specific insurer or fund it would place your business with. 4
- Ask MMA whether its risk-consulting and claims-management services apply automatically to workers' compensation or are billed separately. 9
Offering Details
HUB International vs Marsh Workers’ Compensation Insurance: documented features by provider
| Criteria | HUB International Workers' Compensation Insurance Brokerage | Marsh McLennan Agency 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. 4Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer. | Marsh McLennan Agency (MMA) places workers' compensation insurance as one line within its broader casualty insurance practice. 9Company-reported. MMA casualty insurance page, Workers' Compensation subsection. |
| 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. | The reviewed page does not name a specific workers' compensation insurer. 9Not publicly disclosed. MMA casualty insurance page as read on 2026-09-23. |
| 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. | Not described in the reviewed sources. |
| 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. | MMA says workers' compensation insurance provides coverage for medical expenses, lost wages and other costs in the event of an on-the-job injury or death. 9Company-reported. MMA casualty insurance page; brief, general description rather than a specific policy form. |
| 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. | MMA lists risk consulting, claims management using data analytics, and risk analytics as services it applies across its casualty program, which includes workers' compensation. 9Company-reported. MMA casualty insurance page, Casualty Coverage section; described for the casualty practice broadly, not exclusively for workers' compensation. |
| How to Apply | Not described in the reviewed sources. | You work with an MMA casualty specialist directly; the page names an account manager contact and describes advisor-led placement rather than an online quote. 9Company-reported. MMA casualty insurance page. |
Full Comparison
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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.
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Comprehensive Casualty Cover. Marsh McLennan Agency; Casualty Coverage section: Risk Consulting, Claims Management, Risk Analytics, Workers' Compensation subsection (coverage for medical expenses, lost wages, and more in the event of an on-the-job injury or death). Accessed 2026-09-23.
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.
