---
title: "Gallagher vs Lockton"
description: "Compare Gallagher and Lockton for a technology company needing international program design, coordinated placement and defined claims advocacy."
canonical: "https://spot.insure/compare/gallagher-vs-lockton"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Gallagher", "Lockton"]
---

[Human-readable page](https://spot.insure/compare/gallagher-vs-lockton)

# Gallagher vs Lockton

Compare Gallagher and Lockton for a technology company needing international program design, coordinated placement and defined claims advocacy.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Lockton against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Gallagher and Lockton are brokers offering technology, executive-risk and broader commercial services. Lockton describes an integrated service and broking model; Gallagher describes technology tools and specialist risk practices. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [15](https://global.lockton.com/us/en/technology "Technology") [19](https://global.lockton.com/us/en/products-services/property "Property Insurance") [26](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")



## Introduction

A technology company opening overseas operations needs a broker to coordinate the program, not merely add a coverage label. Lockton’s technology practice lists international program design and contract review. Gallagher describes services for technology companies through global-enterprise scale. Ask each team to map the planned entities and operations to a specific placement and servicing plan. [15](https://global.lockton.com/us/en/technology "Technology") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance")

## Documented Provider Strengths

### Gallagher

- Technology specialists for startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.)
- Executive-risk and transaction support, including IPOs and M&A. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.)

### Lockton

- Lockton describes itself as a privately held independent broker for risk, employee benefits and retirement, not as the insurer on the policies it places. [14](https://global.lockton.com/us/en "Lockton United States") [26](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [33](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)
- US pages list brokerage for cyber and privacy, directors and officers, casualty (including general and product liability, auto, cargo, umbrella and workers’ compensation), property, fiduciary liability and employee benefits. [15](https://global.lockton.com/us/en/technology "Technology") [16](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [17](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [18](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [19](https://global.lockton.com/us/en/products-services/property "Property Insurance") [20](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [21](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [22](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [23](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Gallagher | Lockton |
| --- | --- | --- |
| Builders risk | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed |
| Business owner’s policy | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed |
| Cargo and transit | Not listed | Listed [18](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Commercial auto | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [18](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Commercial property | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [19](https://global.lockton.com/us/en/products-services/property "Property Insurance") |
| Crime | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [23](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Cyber liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [16](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [15](https://global.lockton.com/us/en/technology "Technology") |
| Directors and officers | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [17](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [15](https://global.lockton.com/us/en/technology "Technology") |
| Employee health and benefits | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [21](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") |
| Employment practices liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [23](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Equipment breakdown | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed |
| Fidelity bonds | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Fiduciary liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [22](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") |
| General liability | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [18](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Intellectual property | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Key person | Not listed | Listed [23](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Kidnap and ransom | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Product liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [18](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Product recall | Listed [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") | Not listed |
| Professional liability / E&O | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [23](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Representations and warranties | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Listed [23](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Surety bonds | Listed [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") | Listed [23](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Technology errors and omissions | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Umbrella and excess liability | Listed [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") | Listed [18](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Workers’ compensation | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [20](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [18](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Gallagher and Lockton

### Test the Proposed Team’s Responsibilities

Lockton’s property practice says the team meeting the client also negotiates with markets, and its casualty practice describes a dedicated service team. Gallagher’s casualty practice describes renewal work with finance, HR, operations and risk teams. For a lean finance function, compare who gathers subsidiary data, negotiates terms and follows through on outstanding documents. These descriptions are proposals to test in an engagement, not independently measured service results. [19](https://global.lockton.com/us/en/products-services/property "Property Insurance") [18](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance")

Lockton markets round-the-clock technology service; Gallagher markets named technology administration tools. Ask what contact coverage and tools your account receives, especially when overseas teams operate outside California business hours. [15](https://global.lockton.com/us/en/technology "Technology") [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance")

### Separate Market Access from Authority to Bind

Lockton says it is not obligated to use any particular insurer, is generally not authorized to bind insurers except in circumstances it says it will try to disclose, and does not guarantee placement on acceptable terms. Cyber pages refer to insurer partners without naming them. The workers’ compensation page claims access to more than 100 regional, global and program markets without listing those markets. Surplus-lines insurers may appear in a proposal when admitted markets cannot meet requested terms. Named issuing companies for a buyer’s policies were not disclosed on the reviewed pages. [26](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [16](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [20](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.; verified: 2026-09-16.)

Gallagher’s executive-risk practice discusses choosing underwriters according to qualifications and client preferences, but that does not supply a named issuer for your account either. Request the proposed markets, local policy arrangements and person authorized to confirm binding. A California office is not evidence that a particular foreign or domestic placement is available. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [30](https://global.lockton.com/offices/usa-san-francisco "Lockton Insurance Brokers - San Francisco") [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information")

### Put Claims and Compensation Into the Same Scope of Work

Lockton describes claims counsel integrated with broking and says advocacy is not treated as a profit center. Gallagher describes executive-risk claims specialists, including attorneys. Neither statement determines coverage or makes the broker the claims-paying insurer. Define the assistance included for each line and when separate specialist work would be charged. [17](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [24](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

Both firms disclose potential compensation beyond base insurer commissions. Ask whether affiliates or intermediaries are involved and request account-specific amounts rather than inferring a fee model from ownership or independence language. [26](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure")

## What to Confirm in Quotes

- Which entities, countries and operations are included in the program design and renewal timetable?
- Will the named client team negotiate placements directly, and who handles local policies?
- What constitutes binding confirmation, and from whom will it come?
- Define included claims work, outside specialists and every compensation layer in the engagement.



## Service Comparison

Gallagher vs Lockton: documented services and availability.

| Criteria | Gallagher | Lockton |
| --- | --- | --- |
| Application process | The small-business quote link opens an advisor inquiry form asking for company and contact details, business description, coverage interests, employee count and annual revenue. Telephone and scheduled-advisor contact are also offered. This observed entry point does not establish instant binding or a turnaround time. [8](https://www.gallaghersmallbusiness.com/connect-with-us/ "Connect With an Advisor") [9](https://www.gallaghersmallbusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Public form inspected without submission; no quote, account creation or actual purchase tested.; verified: 2026-09-16.) | Public US application starts as an inquiry: the US contact form (Ask an Expert) and industry pages invite buyers to connect with a team. The privacy notice refers to soliciting an insurance policy quote. The Cyber & Technology page publishes cyber@lockton.com. Reviewed pages do not describe a self-serve bind flow, published quote turnaround, or an unauthenticated online application that issues a policy without a Lockton representative. [25](https://global.lockton.com/us/en/contact-us "Contact Us") [14](https://global.lockton.com/us/en "Lockton United States") [28](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [16](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [27](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) |
| Access to insurers | Gallagher describes access to multiple insurance markets. Its executive-risk practice says it considers carrier qualifications and client preferences when selecting potential underwriters; these pages do not identify the insurer that would write a specific startup’s policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US public market-access descriptions; no insurer list or carrier logo treated as guaranteed placement access.; verified: 2026-09-16.) | Lockton says it is not obligated to use any particular insurer, is generally not authorized to bind insurers except in circumstances it says it will try to disclose, and does not guarantee placement on acceptable terms. Cyber pages refer to insurer partners without naming them. The workers’ compensation page claims access to more than 100 regional, global and program markets without listing those markets. Surplus-lines insurers may appear in a proposal when admitted markets cannot meet requested terms. Named issuing companies for a buyer’s policies were not disclosed on the reviewed pages. [26](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [16](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [20](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.; verified: 2026-09-16.) |
| Servicing and renewals | Gallagher describes Go for client information and self-service, Submit for submission tracking and documents, and Verify for certificate management. Confirm which tools and service team your engagement includes. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Company-described technology-practice tools; no logged-in testing or universal account entitlement.; verified: 2026-09-16.)<br><br>For former Woodruff Sawyer clients, Gallagher links WS Connect for benefits and documents, Woodruff360 for policies, claim submission and certificates, and CSR 24 for certificates and auto ID cards. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Transition-page descriptions; no portal functionality tested.; verified: 2026-09-16.)<br><br>Gallagher’s casualty practice describes pre-renewal meetings involving finance, HR, operations and risk-management stakeholders, alongside contract reviews and coverage-gap analysis. Confirm the renewal timetable and deliverables for your account. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty-practice service description, not a promise for all small-business engagements.; verified: 2026-09-16.) | Casualty pages say the same dedicated service team stays with the client through the process. Technology pages describe a round-the-clock service model. Terms of Business cover day-to-day servicing, risk control, insurance renewal services, policy administration and the use of intermediaries (including Lockton affiliates) in servicing and placement. Property pages say the team that meets the client also negotiates with markets rather than a remote broking center. A public client-portal feature list was not established beyond a Lockton Portal login link on the US site. [18](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [15](https://global.lockton.com/us/en/technology "Technology") [26](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [19](https://global.lockton.com/us/en/products-services/property "Property Insurance") [14](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) |
| Claims assistance | Gallagher’s executive-risk practice describes a dedicated claims-advocacy team, including specialized attorneys, working with clients and carriers through claims. This establishes a stated support service, not a guarantee of payment or evidence of claims-handling quality. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Executive-risk practice only; insurer decision-making, counsel role, charges and service scope require confirmation.; verified: 2026-09-16.) | Lockton describes claims advocacy as a service, not as the insurer paying claims. Technology, D&O and fiduciary pages say a Professional & Executive Risk Claims team, including insurance and claims counsel, is integrated with the broking team and that claims advocacy is not treated as a profit center. Loss-prevention pages describe claims consulting: investigations, mapping facts to policies, preparing presentations, and discussions with insurer lawyers and loss adjusters. Workers’ compensation pages mention claims service advocates. Terms of Business include claims handling and claims processing among Lockton’s intermediary services and state Lockton is not responsible for an insurer’s solvency or willingness to pay. These descriptions do not establish claims outcomes or handling quality. [15](https://global.lockton.com/us/en/technology "Technology") [17](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [22](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [24](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [20](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [26](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; verified: 2026-09-16.) |
| Fees and compensation | Gallagher discloses brokerage commissions or fees, sometimes both, as well as possible contingent and supplemental commissions. Affiliates or other intermediaries may also earn compensation. It directs clients to their representative for placement-specific details; the disclosure provides no startup fee schedule. [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") (Evidence: Company-reported; scope: US compensation disclosure; no fee-free or uniform commission assumption.; verified: 2026-09-16.) | US Terms of Business say Lockton may be paid insurer commissions (a percentage of premium), negotiated client fees in lieu of or in addition to commissions, additional compensation such as contingent or supplemental commissions, insurer service fees (including for some managing-general-agency or analytics work), compensation involving affiliate Lockton Re, LLC on reinsurance placements, and interest or premium-finance related income. Commissions are described as fully earned at inception unless law or insurer contracts say otherwise. The terms tell clients to ask their Lockton representative for account-specific compensation. No public fee schedule, commission percentages or typical startup pricing appears on the reviewed pages. [26](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; verified: 2026-09-16.) |

## Related Reading

- [What Is Gallagher?](https://spot.insure/insurance-providers/gallagher)
- [What Is Lockton?](https://spot.insure/insurance-providers/lockton)

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- [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton)
- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton)
- [Kinro vs Lockton](https://spot.insure/compare/kinro-vs-lockton)
- [Layr vs Lockton](https://spot.insure/compare/layr-vs-lockton)
- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh)
- [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo)
- [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront)
- [Lockton vs ERGO NEXT](https://spot.insure/compare/lockton-vs-next-insurance)
- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance)
- [Lockton vs Relm](https://spot.insure/compare/lockton-vs-relm)
- [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience)
- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube)
- [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics)
- [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance)
- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance)
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford)
- [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers)
- [Lockton vs USI](https://spot.insure/compare/lockton-vs-usi)
- [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch)
- [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage)

## Sources

### [Gallagher Official Website](https://www.ajg.com/)

1. [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.
2. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry; Data-driven insights; global network. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Three key services; D&O; IPO and direct listings; EPL; fiduciary; crime and fidelity; kidnap; M&A. Accessed 2026-09-16.
4. [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/). Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
5. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
6. [The Right Insurance for Your Small Business](https://www.gallaghersmallbusiness.com/insurance-products/). Gallagher Small Business; Choose Your Coverage; carrier network. Accessed 2026-09-16.
7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals; coverage menu; Connect With An Advisor. Accessed 2026-09-16.
8. [Connect With an Advisor](https://www.gallaghersmallbusiness.com/connect-with-us/). Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
9. [Contact Us](https://www.gallaghersmallbusiness.com/contact-us/). Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
10. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach; Robust casualty risk analysis. Accessed 2026-09-16.
11. [Property Insurance](https://www.ajg.com/insurance/property-insurance/). Gallagher; Our services include; global reach; Appraisal services. Accessed 2026-09-16.
12. [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/). Gallagher; Product Recall team description before Product recall insurance coverage. Accessed 2026-09-16.
13. [AI Insurance Solutions](https://www.ajg.com/insurance/ai-insurance-solutions/). Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.

### [Lockton Official Website](https://global.lockton.com/us/en)

14. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
15. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
16. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16.
17. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16.
18. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers compensation; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team. Accessed 2026-09-16.
19. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery; no centralized broking centers claim. Accessed 2026-09-16.
20. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16.
21. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16.
22. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16.
23. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities list including D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person, and benefits design. Accessed 2026-09-16.
24. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16.
25. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16.
26. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
27. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16.
28. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16.
29. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16.
30. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16.
31. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16.
32. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16.
33. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16.
34. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16.
35. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry landing page; interactive lookup not completed with a returned license detail record in this research pass. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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