---
title: "HUB International vs Marsh: Workers’ Compensation Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-marsh/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
comparison-pair: "hub-international-vs-marsh"
provider-a: "hub-international"
provider-b: "marsh"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Marsh 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. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: HUB International and Marsh.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-23.

**Related pages:**
- [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) — all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile

# 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 a detailed coverage and exclusions list for workers' comp; Marsh McLennan Agency treats the line as a brief part of a broader casualty page.

## HUB International vs Marsh Workers’ Compensation Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [2](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")

## 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

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](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")

### 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [2](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")

### 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [2](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")

## 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Ask MMA which insurer would issue your policy, since its casualty page names none. [2](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")
- Ask HUB for the specific insurer or fund it would place your business with. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Ask MMA whether its risk-consulting and claims-management services apply automatically to workers' compensation or are billed separately. [2](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")

## HUB International vs Marsh Workers’ Compensation Insurance Compared

| 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. [1](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. [1](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..) | 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. [2](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: 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. [1](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 (MMA) places workers' compensation insurance as one line within its broader casualty insurance practice. [2](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: 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. [1](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..) | MMA lists risk consulting, claims management using data analytics, and risk analytics as services it applies across its casualty program, which includes workers' compensation. [2](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: MMA casualty insurance page, Casualty Coverage section; described for the casualty practice broadly, not exclusively for workers' compensation..) |

## About HUB International and Marsh and Workers’ Compensation Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation)

## Related Pages for HUB International vs Marsh Workers’ Compensation

- [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh): 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 Workers’ Compensation Insurance](https://spot.insure/insurance-providers/hub-international/workers-compensation)
- [Marsh Workers’ Compensation Insurance](https://spot.insure/insurance-providers/marsh/workers-compensation)

## Sources for HUB International vs Marsh Workers’ Compensation Insurance

### Sources About HUB International

1. [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

2. [Comprehensive Casualty Cover](https://www.marshmma.com/us/solutions/casualty.html). 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.

Updated 2026-09-23. 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.

## Agent and Developer Resources

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