Chubb vs Gallagher Workers’ Compensation Insurance

Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP. Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself.

What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. ^1,^2,³

Read the Chubb profile

What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. ^5,^6,^7,^8,⁹

Read the Gallagher profile

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

Read the full coverage guide

Key Differences in Workers’ Compensation Insurance

Who Places or Issues the Policy

For this pair, Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. ⁴ Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself.

Gallagher describes workers' compensation as covering medical costs and lost wages from a workplace injury or illness, costs to retrain a returning injured employee, related legal fees, and wages for a temporary replacement worker. ¹⁰Company-reported. Product page coverage overview; the issued policy and its exclusions control.

What the Policy Is Said to Cover

Chubb lists coverage for medical expenses and lost wages, a waiver of subrogation option, various employer liability limits, and occasional international travel coverage available through a foreign package policy. ⁴ Gallagher describes workers' compensation as covering medical costs and lost wages from a workplace injury or illness, costs to retrain a returning injured employee, related legal fees, and wages for a temporary replacement worker. ¹⁰

Buying Path

Chubb lets buyers request a quote online, or an appointed agent or broker can apply for a Chubb Appointment to place the policy. ⁴ Gallagher offers an online quote form, a small business advisor phone line (1.833.292.9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a workers' compensation quote. ¹⁰

What to Confirm in Workers’ Compensation Insurance Quotes

Ask Chubb which insurer would issue this workers compensation quote if the record does not name one. ⁴
Ask Gallagher which insurer would issue its workers compensation quote. ¹⁰
Compare Chubb and Gallagher limits, deductibles and any bundle with other lines before you bind. ⁴ ¹⁰

Offering Details

Chubb vs Gallagher Workers’ Compensation Insurance: documented features by provider

Criteria	Chubb Small Business Workers' Compensation Insurance	Gallagher Small Business Workers' Compensation Insurance
Role in This Line	Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. ⁴Company-reported. Workers' Compensation for Small Business product page.	Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. ¹⁰Company-reported. Gallagher Small Business's direct-to-small-business workers' compensation product page.
Issuing Insurer	Not described in the reviewed sources.	The workers' compensation product page does not name the insurer that would issue a given business's policy. ¹⁰Not publicly disclosed. Checked the workers' compensation product page on 2026-09-23.
Who It’s For	Chubb says this policy covers small businesses with as little as one employee up to $30 million in revenue, across a wide range of classes including technology. ^4,¹Company-reported. Coverage-highlights list on the small-business workers' compensation page.	Gallagher says workers' compensation is typically mandated by state law based on employee count, which varies by state, and notes that Texas allows employers to opt out, though an employer can still be sued if an employee is hurt. It says any business with employees most likely needs a policy. ¹⁰Company-reported. Product page eligibility and market-trends sections; actual state requirements should be confirmed for the buyer's location.
Coverage Features	Chubb lists coverage for medical expenses and lost wages, a waiver of subrogation option, various employer liability limits, and occasional international travel coverage available through a foreign package policy. ⁴Company-reported. Coverage-highlights list; specific options depend on the issued policy.	Gallagher describes workers' compensation as covering medical costs and lost wages from a workplace injury or illness, costs to retrain a returning injured employee, related legal fees, and wages for a temporary replacement worker. ¹⁰Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists overexertion, slips/trips/falls, electrocution, being struck by or against objects, transportation incidents, machinery accidents, unintentional overdoses, workplace violence, and exposure to harmful substances as the top workers' compensation claim causes it tracks. ¹⁰Company-reported. Product page "Top 10 workers' compensation claims" list; a general industry pattern, not specific to any one policyholder.
Limits and Retentions	The reviewed page does not publish specific dollar limits for medical expense or employer liability coverage, describing employer liability limits only as "various." ⁴Not found in reviewed sources. Workers' Compensation for Small Business page as read on 2026-09-23.	The workers' compensation product page does not publish premium ranges; statutory benefit levels are set by state law rather than the policy's published limits. ¹⁰Not publicly disclosed. Checked the workers' compensation product page on 2026-09-23.
Risk Services	Chubb describes internal nurse case managers, a return-to-work program, pharmacy benefit management, preferred-provider network access, and a Special Investigative Unit for suspected fraud as part of its workers' compensation claims service. ⁴Company-reported. Exceptional Service section of the small-business workers' compensation page; company-described service program.	Not described in the reviewed sources.
How to Apply	You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. ⁴Company-reported. Small-business workers' compensation page quote call-to-action for business owners and for agents and brokers.	Gallagher offers an online quote form, a small business advisor phone line (1.833.292.9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a workers' compensation quote. ¹⁰Company-reported. Product page "Get Covered Now" section.
Claims Support	Chubb says it commits to adjuster contact within 24 hours of receiving a lost-time claim assignment, offers simple online claims reporting, and re-prices every medical bill according to each state's fee schedule. ⁴Company-reported. Exceptional Service section; company-reported service commitments, not an independently verified outcome.	Not described in the reviewed sources.

Full Comparison

More Chubb vs Gallagher Comparisons

Other Workers’ Compensation Insurance Comparisons

Sources

Chubb

Insurance for Technology Companies. Chubb; Products and services list naming workers' compensation among Chubb's technology-industry offerings. Accessed 2026-09-23.
Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
Workers' Compensation Insurance for Small Business. Chubb; Small Business Workers' Compensation Coverage Highlights; Exceptional Service; Total Account Solution. Accessed 2026-09-23.

Gallagher

Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Workers' Compensation Insurance. Gallagher Small Business; Workers' Comp Insurance Overview; Do you need a Workers' Compensation insurance policy; Benefits of Workers' Compensation Insurance; Workers' Comp market trends; Top 10 workers' compensation claims; Get Covered Now. 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.