---
title: "Gallagher vs HUB International Workers’ Compensation Insurance"
description: "HUB publishes specific claim exclusions for workers' comp; Gallagher's page instead lists the workplace incidents most likely to trigger a claim."
canonical: "https://spot.insure/compare/gallagher-vs-hub-international/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Gallagher vs HUB International Workers’ Compensation Insurance

HUB publishes specific claim exclusions for workers' comp; Gallagher's page instead lists the workplace incidents most likely to trigger a claim.

## Research Scope and Use

Use this comparison to evaluate Gallagher and HUB International 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

HUB names specific exclusions that can apply to a workers' compensation claim, such as self-inflicted injuries or claims filed after termination. Gallagher instead publishes a list of the top workplace claim causes it tracks, such as overexertion and being struck by objects. [10](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

## 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. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](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 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. [7](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

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

## 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

### Exclusions Versus Claim Causes

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. [10](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..)

Gallagher's page does not list exclusions; it instead names the top workplace claim causes it tracks, including overexertion, slips, trips and falls, electrocution, transportation incidents and workplace violence. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

### Eligibility Framing

HUB says workers' compensation is required in 49 states and the District of Columbia, naming Texas as the exception. Gallagher makes a similar state-mandate point but frames it more generally, saying requirements are typically based on employee count and noting Texas allows employers to opt out. [10](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

### Services Named for the Line

HUB describes helping clients address worker misclassification between employees and contractors as part of its workers' compensation brokerage. Gallagher's page does not describe a comparable misclassification service; its content is limited to coverage explanation, claim causes and a quote path. [10](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask HUB which of its listed exclusions apply in the buyer's state, since exclusion language can vary by policy. [10](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Ask Gallagher whether any of its listed top claim causes apply to the business's operations and what it recommends to reduce them. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")
- Neither reviewed page names the issuing insurer; request that in writing from both before binding. [10](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")
- If contractor classification is a concern, ask HUB about its misclassification review and ask Gallagher whether it offers a similar check. [10](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## Offering Details

| Criteria | Gallagher Small Business Workers' Compensation Insurance | HUB International Workers' Compensation Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. [6](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..) | HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. [10](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..) |
| Issuing Insurer | The workers' compensation product page does not name the insurer that would issue a given business's policy. [6](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..) | 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. [10](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..) |
| Who It’s For | 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. [6](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..) | HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. [10](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..) |
| Coverage Features | 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. [6](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..)<br><br>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. [6](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..) | 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. [10](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. [10](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..) |
| Limits and Retentions | 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. [6](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..) | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | 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. [10](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..) |
| How to Apply | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) | Not described in the reviewed sources. |

## Full Comparison

- [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international): 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.
- [Gallagher vs HUB International Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-hub-international/business-owners-policy)
- [Gallagher vs HUB International Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-hub-international/commercial-auto)
- [Gallagher vs HUB International Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-hub-international/commercial-property)
- [Gallagher vs HUB International Crime Insurance](https://spot.insure/compare/gallagher-vs-hub-international/crime)
- [Gallagher vs HUB International Cyber Insurance](https://spot.insure/compare/gallagher-vs-hub-international/cyber)
- [Gallagher vs HUB International D&O Insurance](https://spot.insure/compare/gallagher-vs-hub-international/directors-officers)
- [Gallagher vs HUB International Employee Health Benefits](https://spot.insure/compare/gallagher-vs-hub-international/employee-health-benefits)
- [Gallagher vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/employment-practices)
- [Gallagher vs HUB International Fidelity Bonds](https://spot.insure/compare/gallagher-vs-hub-international/fidelity-bonds)
- [Gallagher vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/fiduciary)
- [Gallagher vs HUB International General Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/general-liability)
- [Gallagher vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-hub-international/kidnap-ransom)
- [Gallagher vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-hub-international/professional-errors-omissions)
- [Gallagher vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-hub-international/representations-warranties)
- [Gallagher vs HUB International Surety Bonds](https://spot.insure/compare/gallagher-vs-hub-international/surety-bonds)
- [Gallagher vs HUB International Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-hub-international/technology-errors-omissions)
- [Gallagher vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/umbrella-excess)
- [Alliance Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/workers-compensation)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation)
- [Amelia Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/workers-compensation)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Chubb vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-gallagher/workers-compensation)
- [Chubb vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-hub-international/workers-compensation)

## Sources

### Gallagher

1. [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.
2. [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.
3. [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.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [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.
6. [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.

### HUB International

7. [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.
8. [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.
9. [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.
10. [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.

### 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 2026-09-23. 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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