HUB International vs 
USI Insurance Services Workers’ Compensation Insurance
USI documents workers' compensation across three named practices with a specific case study; HUB describes one general brokerage service.
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. 1,2,3
What Is USI Insurance Services?
USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. 5,6,7
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. 11,12,13
Key Differences in Workers’ Compensation Insurance
Which Clients Each Brokerage Targets
HUB's page addresses workers' compensation generally, for any employer required to carry it. 4 USI instead documents the line across three specific practices: property & casualty for middle-market clients broadly, private equity for portfolio companies, and healthcare for hospitals and physician groups. 8 9 10
Evidence of Service Outcomes
HUB's reviewed page names one service, misclassification-liability review, without a case example. 4 USI cites a named case study instead: analyzing a manufacturing affiliate's claim trends, running ergonomics and air-quality studies, and implementing new safety procedures within 90 days.
USI's Private Equity Team cites a case study where it analyzed a manufacturing affiliate's workers' compensation claim trends, ran ergonomics, air-quality and sound-level studies, and helped implement new safety procedures within 90 days; USI says the combined insurance-cost and productivity improvements totaled $1.2 million in EBITDA impact. 9Company-reported. Single named case study on the Private Equity page; company-reported outcome, not independently verified, and not necessarily representative of every account.
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask USI whether the $1.2 million case-study outcome is typical or specific to that one manufacturing client. 9
- Confirm which insurer either firm would place your policy with, since neither page names one. 4 8
- If your business fits USI's private equity or healthcare practice, ask whether that changes the services or markets available compared to its general property & casualty team. 10
- Ask HUB whether it offers claims-analysis or safety-consulting services comparable to USI's case study. 4
Offering Details
HUB International vs USI Insurance Services Workers’ Compensation Insurance: documented features by provider
| Criteria | HUB International Workers' Compensation Insurance Brokerage | USI Workers' Compensation Brokerage |
|---|---|---|
| Role in This Line | HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. 4Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer. | USI is a broker for workers' compensation insurance. It advises on and places coverage across its property & casualty, private equity and healthcare practices rather than underwriting the risk itself. 8,9,10Company-reported. Property & Casualty, Private Equity and Healthcare practice pages. |
| 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. 4Not found in reviewed sources. Checked the workers' compensation product page on 2026-09-23; no carrier is disclosed there. | None of the reviewed pages names the insurer USI uses for workers' compensation placements. 8Not publicly disclosed. Pages as read on 2026-09-23. |
| 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. 4Company-reported. Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here. | USI's property & casualty team serves middle-market clients broadly; its Private Equity practice separately handles workers' compensation for portfolio companies of financial and strategic buyers, and its Healthcare practice covers hospitals, physician groups and related facilities. 8,9,10Company-reported. Company description of client segments for each practice. |
| 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. 4Company-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. 4Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law. | USI lists Workers' Compensation among the risk exposures its property & casualty team advises on, and separately among the specialty coverages its Healthcare practice places. 8,10Company-reported. Catalogue listings; actual insuring agreements and state-specific requirements are set by the issued policy. |
| Limits and Retentions | Not described in the reviewed sources. | None of the reviewed pages publishes workers' compensation limit or experience-modifier target figures beyond the outcome of one named case study. 8Not publicly disclosed. Pages as read on 2026-09-23. |
| 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. 4Company-reported. Product-page misclassification-liability section; a company-reported advisory service. | USI's Private Equity Team cites a case study where it analyzed a manufacturing affiliate's workers' compensation claim trends, ran ergonomics, air-quality and sound-level studies, and helped implement new safety procedures within 90 days; USI says the combined insurance-cost and productivity improvements totaled $1.2 million in EBITDA impact. 9Company-reported. Single named case study on the Private Equity page; company-reported outcome, not independently verified, and not necessarily representative of every account. |
| How to Apply | Not described in the reviewed sources. | USI directs workers' compensation inquiries to pcinquiries@usi.com or a local USI office. 8,9,10Company-reported. Contact instructions on the Property & Casualty, Private Equity and Healthcare pages. |
Full Comparison
More HUB International vs USI Insurance Services Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Workers' Compensation Insurance Brokers. 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.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- P&C Insurance and Risk Consulting. USI Insurance Services; risk management and insurance advice on broad risk exposures such as Workers' Compensation...; casualty analysts...claim advocates...risk control specialists... Accessed 2026-09-23.
- Private Equity. USI Insurance Services; CASE STUDY: USI's Workers' Compensation Claim Analysis and Safety Improvements Save Manufacturer $1.2 Million. Accessed 2026-09-23.
- Healthcare. USI Insurance Services; USI's Healthcare Practice offers specialty coverages...including...Workers' Compensation Insurance... Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ 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.
- Small Business Insurance. 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.
- DWC employer information. 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.
