Foxquilt vs Gallagher: How Do They Compare for Workers’ Compensation Insurance?

Foxquilt lists medical care, lost wages, and employer liability, with a quote path. Gallagher describes medical and wage costs plus retraining and temporary-replacement wages, and offers online, phone, and callback routes to start a quote. ^3,⁹

What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. ^1,²

Read the Foxquilt profile

Read the Foxquilt Workers’ Compensation Insurance page

What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. ^4,^5,^6,^7,⁸

Read the Gallagher profile

Read the Gallagher Workers’ Compensation Insurance page

What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. ^10,^11,^12,¹³

Read the full coverage guide

Key Differences in Workers’ Compensation Insurance

Additional cost categories

Gallagher describes workers’ compensation as covering medical costs and lost wages, retraining for an injured employee returning to work, related legal fees, and wages for a temporary replacement worker. Foxquilt’s overview lists medical care, lost wages, and an employer-liability feature but does not specify retraining or temporary-replacement wages. Employers with roles that need a substitute during recovery should ask whether such costs are addressed in their actual policy. ⁹ ³

Ways to request a quote

Gallagher offers an online quote form, a small-business advisor phone line, and scheduled callbacks. Foxquilt provides a quote path but does not publish comparable contact hours or turnaround. Gallagher also notes that state law and employee count affect requirements; Foxquilt says state and employee situations vary without a full state-by-state footprint. ⁹ ³

What to Confirm in Workers’ Compensation Insurance Quotes

Ask Gallagher which carrier will issue the policy and whether retraining and temporary replacement wages are included. ⁹
Ask Foxquilt how to reach a quote adviser and which states, benefit categories, and employer-liability terms are offered. ³

Foxquilt and Gallagher Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Foxquilt Review Score

8.9/ 10

Review Score

3 rated sources

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.^[12]^[5]^[6]

Read Foxquilt reviews

Gallagher Review Score

9.3/ 10

Review Score

3 rated sources

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.^[2]^[4]^[6]

Read Gallagher reviews

Foxquilt vs Gallagher Workers’ Compensation Insurance Compared

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

Criteria	Foxquilt Workers’ Compensation	Gallagher Small Business Workers' Compensation Insurance
Role in This Line	Foxquilt markets Workers’ Compensation for businesses with employees. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. ⁹Company-reported. Gallagher Small Business's direct-to-small-business workers' compensation product page.
Issuing Insurer	Confirm in your quote.	The workers' compensation product page does not name the insurer that would issue a given business's policy. ⁹Not publicly disclosed. Checked the workers' compensation product page on 2026-09-23.
Who It’s For	The page notes that requirements and employee situations vary by state; it does not identify a complete state-by-state product footprint. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	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. ⁹Company-reported. Product page eligibility and market-trends sections; actual state requirements should be confirmed for the buyer's location.
Coverage Features	The page describes employee workplace-injury benefits including medical care and lost wages, with an employer-liability feature listed. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	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. ⁹Company-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. ⁹Company-reported. Product page "Top 10 workers' compensation claims" list; a general industry pattern, not specific to any one policyholder.
Limits and Retentions	The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ³Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.	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. ⁹Not publicly disclosed. Checked the workers' compensation product page on 2026-09-23.
How to Apply	The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	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. ⁹Company-reported. Product page "Get Covered Now" section.

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Workers’ Compensation Insurance Pages for Foxquilt and Gallagher

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Sources for Foxquilt vs Gallagher Workers’ Compensation Insurance

Sources About Foxquilt

Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
Workers’ Compensation Insurance. Foxquilt; State-requirements FAQ; payroll/employee/location price factors; benefits list; self-employed and subcontractor FAQs. Reopened 2026-09-29, lines 148–162. Accessed 2026-09-29.

Sources About 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.

Sources for the 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.
Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.