HUB International vs 
Mylo: How Do They Compare for Workers’ Compensation Insurance?
Mylo compares carriers, explains how payroll and business type set the premium, and notes four state-fund states; HUB International brokers workers' comp too, helping tell employees from contractors and listing exclusions.
Mylo's page names four monopolistic states that require buying workers' compensation from a state fund and explains how a premium is calculated. HUB's page covers general state requirements and misclassification-liability help instead. 2,1
What Are the Key Differences Between HUB International and Mylo Workers’ Compensation Insurance?
State Requirements and Monopolistic Funds
HUB and Mylo both broker workers' compensation rather than underwrite it, and both describe state mandates in general terms, but they cover different gaps. HUB says the coverage is required in 49 states and D.C., calling out Texas as the exception. 1
Mylo says Ohio, North Dakota, Washington and Wyoming require employers to buy workers' compensation from a state fund rather than a private insurer, and that its agents can direct buyers in those states accordingly. 2Company-reported. Workers' comp product page "Your state makes a difference" section.
Mylo's page goes a step further by naming the four monopolistic states where a business must buy from a state fund rather than a private carrier, a distinction HUB's reviewed page does not make. 1
What Each Brokerage Explains About the Policy
HUB's page focuses on worker misclassification, describing help distinguishing employees from contractors as part of its brokerage service, alongside a list of exclusions such as self-inflicted or off-the-clock injuries. 1 Mylo instead walks through how a premium is set, describing a formula that combines job classification, a risk-based rate, payroll and claims history, and says comparing carriers matters because they can assign different rates to the same classification. 2
What Should You Confirm in HUB International and Mylo Workers’ Compensation Insurance Quotes?
- Ask each brokerage which insurer or state fund would actually issue your policy; neither page names one. 1 2
- If you operate in Ohio, North Dakota, Washington or Wyoming, confirm with Mylo how it handles the state-fund requirement in that state. 2
- Ask HUB how its misclassification review would apply to your specific contractor and employee mix. 1
- Get the exact rate and classification codes each brokerage used to price your quote, since Mylo says these can vary by carrier for the same business. 2
HUB International vs Mylo Workers’ Compensation Insurance Compared
HUB International vs Mylo: Workers’ Compensation Insurance: documented features by provider
| Criteria | HUB International Workers' Compensation Insurance Brokerage | Mylo Workers' Compensation Insurance |
|---|---|---|
| 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. 1Company-reported. Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here. | Mylo says almost all states require workers' compensation for employers with employees, that Texas has exceptions, and that employee-count and employment-status requirements vary by state. 2Company-reported. Workers' comp product page. Mylo says Ohio, North Dakota, Washington and Wyoming require employers to buy workers' compensation from a state fund rather than a private insurer, and that its agents can direct buyers in those states accordingly. 2Company-reported. Workers' comp product page "Your state makes a difference" section. |
| 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. | Mylo describes workers' comp as a no-fault system covering workplace accidents, repetitive injuries and occupational illness, paying medical treatment, lost wages and retraining costs, and serving as the exclusive remedy that generally shields the employer from employee lawsuits over those injuries. 2Company-reported. Workers' comp product page; the issued policy and its exclusions control. |
| 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. | Mylo brokers workers' compensation insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 2Company-reported. Workers' comp product page. |
| 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. | Mylo says employers' liability coverage, often included within a workers' comp policy, can cover the rare situations where an employer is still sued over a workplace injury despite the no-fault system. 2Company-reported. Workers' comp product page FAQ. |
