HUB International vs 
Risklytics Workers’ Compensation Insurance
Risklytics places coverage with insurers that write robotics and AI risk and charges no broker fee; HUB serves general employers with a misclassification service.
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 Risklytics Insurance?
Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. 5,6,7
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
Who Each Brokerage Is Built For
HUB brokers workers' compensation broadly, describing state requirements and coverage in general terms for any employer. 4 Risklytics frames the same line around a narrower market, citing a technician straining their back or a field installer falling from a ladder as its examples and placing coverage with insurers willing to write robotics, autonomy and AI risk. 8 5
How the Brokerage Gets Paid
HUB's page does not describe its fee structure, focusing instead on a misclassification-liability service for distinguishing employees from contractors. 4 Risklytics is explicit that it charges no broker fee, saying its commission comes out of the premium the carrier pays regardless.
You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 9,5Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask HUB directly whether it charges a broker fee beyond the premium, since its page is silent on the topic. 4
- Confirm which specialist insurer Risklytics would place your policy with, since its page names none specifically. 8
- If your business doesn't involve robotics, autonomy or AI risk, ask Risklytics whether its specialist carrier relationships still apply to you. 5
- Ask HUB how its misclassification review would apply to your workforce mix. 4
Offering Details
HUB International vs Risklytics Workers’ Compensation Insurance: documented features by provider
| Criteria | HUB International Workers' Compensation Insurance Brokerage | Risklytics 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. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Workers' Compensation Insurance with outside carriers; it says it does not underwrite policies itself. 5Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| 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. | Risklytics does not name the carrier that underwrites Risklytics Workers' Compensation Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. 8,5Company-reported. Lines page and about page; no specific insurer is published for this line. |
| 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. | Risklytics says the coverage is required by law in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. 8Company-reported. Lines page. |
| 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. | Risklytics describes Workers' Compensation as paying an injured employee's medical bills and part of their wages, citing a technician straining their back and a field installer falling from a ladder at a customer site as examples, and distinguishes it from general liability, which would answer a customer's own employee being hurt instead. 8Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Limits and Retentions | Not described in the reviewed sources. | Risklytics says statutory limits for this line are set by state law rather than chosen by the buyer. 8Company-reported. Lines 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. 4Company-reported. Product-page misclassification-liability section; a company-reported advisory service. | Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. 8Company-reported. Lines page. |
| How to Apply | Not described in the reviewed sources. | You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 9,5Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
Full Comparison
More HUB International vs Risklytics Comparisons
Other Workers’ Compensation Insurance Comparisons
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.
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Workers' Compensation Insurance. Risklytics; Coverage line: Workers’ Compensation; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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.
