--- title: "Chubb vs Gallagher Workers’ Compensation Insurance" description: "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." canonical: "https://spot.insure/compare/chubb-vs-gallagher/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-24" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-gallagher/workers-compensation) # 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. ## Research Scope and Use Use this comparison to evaluate Chubb and Gallagher 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 Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") ## 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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [Chubb profile](https://spot.insure/insurance-providers/chubb) ## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [6](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [7](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [9](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") [Gallagher profile](https://spot.insure/insurance-providers/gallagher) ## 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](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [12](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [13](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") ## 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") 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. [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") 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](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") ### 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") 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](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") ## 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") - Ask Gallagher which insurer would issue its workers compensation quote. [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") - Compare Chubb and Gallagher limits, deductibles and any bundle with other lines before you bind. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") ## Offering Details | 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. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: Workers' Compensation for Small Business product page..) | Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Not publicly disclosed; scope: 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: 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." [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Not found in reviewed sources; scope: 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. [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [10](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: Exceptional Service section; company-reported service commitments, not an independently verified outcome..) | Not described in the reviewed sources. | ## Full Comparison - [Chubb vs Gallagher](https://spot.insure/compare/chubb-vs-gallagher): 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. - [Chubb vs Gallagher Business Owner’s Policy](https://spot.insure/compare/chubb-vs-gallagher/business-owners-policy) - [Chubb vs Gallagher Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-gallagher/commercial-auto) - [Chubb vs Gallagher Commercial Property Insurance](https://spot.insure/compare/chubb-vs-gallagher/commercial-property) - [Chubb vs Gallagher Crime Insurance](https://spot.insure/compare/chubb-vs-gallagher/crime) - [Chubb vs Gallagher Cyber Insurance](https://spot.insure/compare/chubb-vs-gallagher/cyber) - [Chubb vs Gallagher D&O Insurance](https://spot.insure/compare/chubb-vs-gallagher/directors-officers) - [Chubb vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/employment-practices) - [Chubb vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/fiduciary) - [Chubb vs Gallagher General Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/general-liability) - [Chubb vs Gallagher Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-gallagher/kidnap-ransom) - [Chubb vs Gallagher Product Recall Insurance](https://spot.insure/compare/chubb-vs-gallagher/product-recall) - [Chubb vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-gallagher/professional-errors-omissions) - [Chubb vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-gallagher/representations-warranties) - [Chubb vs Gallagher Surety Bonds](https://spot.insure/compare/chubb-vs-gallagher/surety-bonds) - [Chubb vs Gallagher Tech E&O Insurance](https://spot.insure/compare/chubb-vs-gallagher/technology-errors-omissions) - [Chubb vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/umbrella-excess) - [Alliance Risk vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/workers-compensation) - [Alliance Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/workers-compensation) - [Amelia Risk vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/workers-compensation) - [Amelia Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/workers-compensation) - [Chubb vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-corgi/workers-compensation) - [Chubb vs Coverdash Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-coverdash/workers-compensation) ## Sources ### Chubb 1. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services list naming workers' compensation among Chubb's technology-industry offerings. Accessed 2026-09-23. 2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). 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. 3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). 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. 4. [Workers' Compensation Insurance for Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Small Business Workers' Compensation Coverage Highlights; Exceptional Service; Total Account Solution. Accessed 2026-09-23. ### Gallagher 5. [Technology Insurance](https://www.ajg.com/industries/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. 6. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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. 7. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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. 8. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16. 9. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16. 10. [Workers' Compensation Insurance](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/). 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 11. [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. 12. [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. 13. [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 2026-09-24. 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). 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