---
title: "HUB International vs Risklytics: Workers’ Compensation Insurance"
description: "Risklytics focuses on robotics, autonomy and AI businesses and says it adds no broker fee; HUB serves employers more broadly and offers misclassification guidance."
canonical: "https://spot.insure/compare/hub-international-vs-risklytics/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-risklytics"
provider-a: "hub-international"
provider-b: "risklytics"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Risklytics 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 Risklytics. 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 Risklytics for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, HUB International or Risklytics?
- What does HUB International or Risklytics publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: HUB International and Risklytics.
- 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 2026-09-25.

**Related pages:**
- [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics) — 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
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 targets robotics and AI risks with no separate broker fee; HUB brokers workers’ comp broadly and helps with misclassification.

## HUB International vs Risklytics Workers’ Compensation Insurance Summary

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](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") Risklytics focuses on exposures in robotics, autonomy and AI, including field installers and technicians. [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")
### 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Confirm which specialist insurer Risklytics would place your policy with, since its page names none specifically. [2](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")
- If your business doesn't involve robotics, autonomy or AI risk, ask Risklytics whether its specialist carrier relationships still apply to you. [3](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- Ask HUB how its misclassification review would apply to your workforce mix. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## HUB International vs Risklytics Workers’ Compensation Compared

| 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. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: 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. [2](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [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..) | Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. [2](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About HUB International and Risklytics and Workers’ Compensation

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

## Related Pages for HUB International vs Risklytics

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

## Sources for HUB International vs Risklytics

### 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 Risklytics

2. [Workers' Compensation Insurance](https://www.risklytics.ai/lines/workers-comp/). 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.
3. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
4. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

Updated 2026-09-25. 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-risklytics/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)