HUB International vs TechInsurance: How Do They Compare for Workers’ Compensation Insurance?

TechInsurance arranges it for small businesses, reports a median cost of $54 a month, and quotes through a short online application; HUB International brokers workers' comp and helps tell employees from contractors.

TechInsurance publishes a reported median cost of $54 a month and names the four monopolistic states requiring a state fund. HUB's page covers general state requirements and misclassification help without publishing pricing. ^2,¹

What Are the Key Differences Between HUB International and TechInsurance Workers’ Compensation Insurance?

Pricing Detail on Each Page

HUB's page describes workers' compensation coverage and exclusions in general terms without publishing cost figures. ¹ TechInsurance instead reports a specific number: a median of $54 a month, or about $643 a year, while noting the exact cost depends on employee count, location, claims history and industry.

TechInsurance says its workers' compensation policyholders pay a median of $54 per month, or about $643 a year, with the exact cost depending on employee count, location, claims history, policy limits, payroll and industry risk factors. ²Company-reported. Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Naming the Monopolistic States

Both brokerages flag that some states require buying coverage through a state fund rather than a private carrier, but only one names them. HUB says the coverage is required in 49 states and D.C. and calls out Texas as the exception, without listing which states are monopolistic. ¹ TechInsurance names Wyoming, Washington, Ohio and North Dakota specifically as the monopolistic states. ²

What Should You Confirm in HUB International and TechInsurance Workers’ Compensation Insurance Quotes?

Ask TechInsurance whether its $54 median reflects businesses similar in size and industry to yours. ²
If you operate in Wyoming, Washington, Ohio or North Dakota, confirm with HUB how it would route you to the required state fund. ² ¹
Get the issuing insurer from both; neither page names one for a private-market placement. ¹ ²
Ask HUB about its misclassification-liability review if you use contractors alongside employees. ¹

HUB International vs TechInsurance Workers’ Compensation Compared

HUB International vs TechInsurance: Workers’ Compensation Insurance: documented features by provider

Criteria	HUB International Workers' Compensation Insurance Brokerage	TechInsurance 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.	TechInsurance says workers' comp requirements vary by state: most states require coverage once a business hires its first employee, Texas and South Dakota do not mandate it, and some states such as California require it for certain contractors even with no employees. ²Company-reported. Workers' compensation product page, Are you legally required to carry workers' comp insurance? 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.	TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. ²Company-reported. Workers' compensation product page; general policy description, not 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. ¹Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.	TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. ²Company-reported. Workers' compensation product page.

Criteria

HUB International Workers' Compensation Insurance Brokerage

TechInsurance 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.

TechInsurance says workers' comp requirements vary by state: most states require coverage once a business hires its first employee, Texas and South Dakota do not mandate it, and some states such as California require it for certain contractors even with no employees. ²Company-reported. Workers' compensation product page, Are you legally required to carry workers' comp insurance? 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.

TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. ²Company-reported. Workers' compensation product page; general policy description, not 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. ¹Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.

TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. ²Company-reported. Workers' compensation product page.