---
title: "HUB International vs TechInsurance: Workers’ Compensation Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-techinsurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
comparison-pair: "hub-international-vs-techinsurance"
provider-a: "hub-international"
provider-b: "techinsurance"
coverage-line: "workers-compensation"
---

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

## Agent Guide

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

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: HUB International and TechInsurance.
- 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 2026-09-23.

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

# 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 median monthly cost and names the monopolistic states; HUB does not publish pricing or list them.

## HUB International vs TechInsurance Workers’ Compensation Insurance Summary

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](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") 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. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") TechInsurance names Wyoming, Washington, Ohio and North Dakota specifically as the monopolistic states. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")

## 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](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")
- If you operate in Wyoming, Washington, Ohio or North Dakota, confirm with HUB how it would route you to the required state fund. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Get the issuing insurer from both; neither page names one for a private-market placement. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")
- Ask HUB about its misclassification-liability review if you use contractors alongside employees. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## HUB International vs TechInsurance Workers’ Compensation Compared

| 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. [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..) | 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. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: Workers' compensation product page..) |

## About HUB International and TechInsurance 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)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation)

## Related Pages for HUB International vs TechInsurance

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

## Sources for HUB International vs TechInsurance

### 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 TechInsurance

2. [Workers' Compensation Insurance – Compare Quotes](https://www.techinsurance.com/workers-compensation-insurance). TechInsurance; What does workers' compensation insurance cover? (emergency response, ongoing treatment, partial wages, employer's liability, death benefits); How much does workers' compensation insurance cost?; Are you legally required to carry workers' comp insurance?; Do sole proprietors and independent contractors need workers' compensation insurance?. Accessed 2026-09-23.

Updated 2026-09-23. 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-techinsurance/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)