HUB International vs 
Risklytics: How Do They Compare for Workers’ Compensation Insurance?
Risklytics places it with outside carriers through an online application and says it adds no fee on top of the premium; HUB International brokers workers' comp and helps tell employees from contractors.
Risklytics focuses on robotics, autonomy and AI businesses and says it adds no broker fee; HUB serves employers more broadly and offers misclassification guidance. 2,3,1
What Are the Key Differences Between HUB International and Risklytics Workers’ Compensation Insurance?
Who Each Brokerage Is Built For
HUB describes workers’ comp for employers generally and addresses state requirements. 1 Risklytics focuses on exposures in robotics, autonomy and AI, including field installers and technicians. 3 Choose Risklytics if your business has robotics, autonomy or AI operations and you want no separate broker fee; choose HUB if you need workers’ comp guidance for a broader employer profile. 4
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. 1 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. 4,3Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
What Should You Confirm in HUB International and Risklytics Workers’ Compensation Insurance Quotes?
- Ask HUB directly whether it charges a broker fee beyond the premium, since its page is silent on the topic. 1
- Confirm which specialist insurer Risklytics would place your policy with, since its page names none specifically. 2
- If your business doesn't involve robotics, autonomy or AI risk, ask Risklytics whether its specialist carrier relationships still apply to you. 3
- Ask HUB how its misclassification review would apply to your workforce mix. 1
HUB International vs Risklytics Workers’ Compensation Compared
HUB International vs Risklytics: Workers’ Compensation Insurance: documented features by provider
| Criteria | HUB International Workers' Compensation Insurance Brokerage | Risklytics 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. | 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. 2Company-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. 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. | 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. 2Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| 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. | 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. 3Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| 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. | Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. 2Company-reported. Lines page. |
