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

Through Marsh McLennan Agency, Marsh places workers' comp via a casualty specialist and account manager rather than an online quote; HUB International brokers it and lists the exclusions that can apply.

HUB publishes an itemized coverage list and specific exclusions for workers' compensation, such as self-inflicted injuries and post-termination claims. Marsh McLennan Agency instead describes the line briefly within a broader casualty practice page. ^1,²

What Are the Key Differences Between HUB International and Marsh 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. ¹

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. ²

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. ¹ ²

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. ¹ ²

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

Ask HUB whether your state is the one exception it names (Texas) to the 49-state-plus-D.C. requirement. ¹
Ask MMA which insurer would issue your policy, since its casualty page names none. ²
Ask HUB for the specific insurer or fund it would place your business with. ¹
Ask MMA whether its risk-consulting and claims-management services apply automatically to workers' compensation or are billed separately. ²

HUB International vs Marsh Workers’ Compensation Insurance Compared

HUB International vs Marsh: Workers’ Compensation Insurance: documented features by provider

Criteria	HUB International Workers' Compensation Insurance Brokerage	Marsh McLennan Agency Workers' Compensation Insurance
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. ¹Company-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. ¹Company-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. ²Company-reported. MMA casualty insurance page; brief, general description rather than a specific policy form.
Role in This Line	HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ¹Company-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. ²Company-reported. MMA casualty insurance page, Workers' Compensation subsection.
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. ¹Company-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. ²Company-reported. MMA casualty insurance page, Casualty Coverage section; described for the casualty practice broadly, not exclusively for workers' compensation.

Criteria

HUB International Workers' Compensation Insurance Brokerage

Marsh McLennan Agency Workers' Compensation Insurance

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. ¹Company-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. ¹Company-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. ²Company-reported. MMA casualty insurance page; brief, general description rather than a specific policy form.

Role in This Line

HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ¹Company-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. ²Company-reported. MMA casualty insurance page, Workers' Compensation subsection.

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. ¹Company-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. ²Company-reported. MMA casualty insurance page, Casualty Coverage section; described for the casualty practice broadly, not exclusively for workers' compensation.