---
title: "HUB International vs Travelers Workers’ Compensation Insurance"
description: "Travelers underwrites the policy directly and reports internal return-to-work statistics; HUB brokers coverage and focuses on misclassification review."
canonical: "https://spot.insure/compare/hub-international-vs-travelers/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# HUB International vs Travelers Workers’ Compensation Insurance

Travelers underwrites the policy directly and reports internal return-to-work statistics; HUB brokers coverage and focuses on misclassification review.

## Research Scope and Use

Use this comparison to evaluate HUB International and Travelers for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Travelers underwrites workers' compensation directly and reports that 70% of injured employees return to work within 30 days on its programs. HUB brokers the line instead, without naming an insurer, and centers its service on misclassification-liability help. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Travelers Insurance?

Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. [5](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## 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. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in Workers’ Compensation Insurance

### Broker or Insurer

HUB brokers workers' compensation and helps clients navigate state regulations and coverage options rather than underwriting the policy itself. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") Travelers underwrites the coverage directly, saying it also provides risk control and claim services alongside the policy rather than selling coverage alone. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")

### What Each Page Reports About Outcomes

HUB's page describes one advisory service, helping distinguish employees from contractors for misclassification purposes, without outcome statistics. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") Travelers instead reports internal figures: 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to an internal severity-prediction tool, and access to a network of 2.3 million medical providers.

Travelers reports internal outcome and cost-containment statistics for its workers-comp claim and risk-control programs, including 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to its Early Severity Predictor tool, and access to a network of 2.3 million medical providers. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified..)

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Travelers whether its reported return-to-work and opioid-reduction figures reflect businesses similar to yours; they are company-reported, not independently audited. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")
- Confirm which insurer HUB would place your policy with, since its page names none. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- If you're in a monopolistic state, ask Travelers about stop-gap employers liability coverage, since it cannot sell workers' compensation itself there. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")
- Ask HUB whether it can match Travelers' claims and risk-control services or whether those would come from a different carrier. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## Offering Details

| Criteria | HUB International Workers' Compensation Insurance Brokerage | Travelers 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. [4](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..) | Travelers underwrites workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation product page, as read on 2026-09-23..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the workers' compensation product page on 2026-09-23; no carrier is disclosed there..) | A video transcript on the workers-compensation page is copyrighted to The Travelers Indemnity Company, which is consistent with that entity issuing workers compensation policies, though the page does not state that every workers-comp policy is issued by that entity rather than an affiliate. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Video transcript credit on the workers-compensation page; not a policy-level disclosure of the issuing entity for a specific quote..) |
| 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. [4](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..) | Travelers says nearly every state requires most businesses to carry workers compensation insurance, but that in monopolistic states employers must buy coverage from a state-run fund, or may self-insure using a third-party administrator, so Travelers workers compensation is not purchasable there through Travelers itself. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answer, 'Who needs workers compensation insurance?'; the page does not list which states are monopolistic..)<br><br>Travelers markets workers compensation to both large, multi-state employers and small businesses, and says it maintains state-specific requirement information because coverage terms and required forms vary by jurisdiction. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Large-business and small-business sections and the 'Workers compensation laws vary by state' 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. [4](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. [4](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..) | Travelers says the policy covers employees' medical expenses and lost wages for job-related injuries and diseases, includes employers liability coverage for related lawsuits not covered by workers-comp law, and that employers in monopolistic states may add employers liability separately as stop-gap coverage. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state..) |
| 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. [4](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..) | Travelers reports internal outcome and cost-containment statistics for its workers-comp claim and risk-control programs, including 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to its Early Severity Predictor tool, and access to a network of 2.3 million medical providers. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified..) |
| How to Apply | Not described in the reviewed sources. | Travelers directs buyers to contact a local Travelers agent to find a workers compensation policy, and separately notes pricing depends on business location, type of work, total payroll and claims history rather than a fixed rate. [8](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answers 'How can I buy workers compensation insurance?' and 'What determines the cost of a workers compensation policy?'.) |

## Full Comparison

- [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses.
- [HUB International vs Travelers Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-travelers/business-owners-policy)
- [HUB International vs Travelers Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-travelers/cargo-transit)
- [HUB International vs Travelers Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-auto)
- [HUB International vs Travelers Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-travelers/commercial-property)
- [HUB International vs Travelers Crime Insurance](https://spot.insure/compare/hub-international-vs-travelers/crime)
- [HUB International vs Travelers Cyber Insurance](https://spot.insure/compare/hub-international-vs-travelers/cyber)
- [HUB International vs Travelers D&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/directors-officers)
- [HUB International vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/employment-practices)
- [HUB International vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-travelers/equipment-breakdown)
- [HUB International vs Travelers Fidelity Bonds](https://spot.insure/compare/hub-international-vs-travelers/fidelity-bonds)
- [HUB International vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/fiduciary)
- [HUB International vs Travelers General Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/general-liability)
- [HUB International vs Travelers Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-travelers/inland-marine)
- [HUB International vs Travelers Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-travelers/kidnap-ransom)
- [HUB International vs Travelers Management Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/management-liability)
- [HUB International vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-travelers/professional-errors-omissions)
- [HUB International vs Travelers Surety Bonds](https://spot.insure/compare/hub-international-vs-travelers/surety-bonds)
- [HUB International vs Travelers Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-travelers/technology-errors-omissions)
- [HUB International vs Travelers Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-travelers/umbrella-excess)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation)
- [Alliance Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/workers-compensation)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Amelia Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/workers-compensation)
- [Chubb vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-hub-international/workers-compensation)
- [Chubb vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-travelers/workers-compensation)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
4. [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.

### Travelers

5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
8. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; What is workers compensation insurance?; Who needs workers compensation insurance?; What does workers comp cover?; Is all workers compensation insurance the same?; Trends in workers compensation legislation; Copyright 2018 The Travelers Indemnity Company video transcript. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

9. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-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.
10. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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.
11. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). 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.

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.

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