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

A small business can start with Gallagher Small Business, which arranges coverage with partner carriers and has an advisor phone line; Lockton is the broker, with access to more than 100 workers' comp markets and maritime, offshore and trucking programs.

Lockton offers access to 100+ markets and specialty captive, Texas non-subscription and Jones Act programs; Gallagher describes standard small-business coverage and an online or phone quote. ^2,¹

What Are the Key Differences Between Gallagher and Lockton Workers’ Compensation Insurance?

Specialty Programs Versus a Standard Product

Lockton also lists maritime, offshore, trucking and self-insurance programs with safety consulting; Gallagher provides its tracked claim causes and names Texas as an opt-out state. Choose Lockton for specialty or complex risk financing; choose Gallagher for small-business quoting and Texas rule context. ² ² ¹

Market Access

Lockton says clients can access more than 100 regional, global and program workers' compensation markets, with benchmarking through its InfoLock service. Gallagher's page does not describe the size of its carrier panel or offer benchmarking; it focuses on coverage explanation and an online quote path instead. ² ¹

How You Start Each Relationship

Gallagher offers a self-serve online quote form, a small-business advisor phone line, and a scheduled callback request. Lockton's page describes a workers' compensation team of actuaries, claims advisors and safety specialists rather than a self-serve online quote path. ¹ ²

What Should You Confirm in Gallagher and Lockton Workers’ Compensation Insurance Quotes?

Ask Lockton which of its named specialty programs, if any, apply to this business's exposures. ²
Ask Gallagher whether any of its listed top claim causes apply to the business's operations. ¹
Neither reviewed page names the issuing insurer; request that in writing from both before binding. ² ¹
If self-insurance or a captive structure is relevant, confirm whether Gallagher offers it, since only Lockton's page describes those alternatives. ²

Gallagher vs Lockton Workers’ Compensation Insurance Compared

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

Criteria	Gallagher Small Business Workers' Compensation Insurance	Lockton Workers' Compensation Insurance Brokerage
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. ¹Company-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. ¹Company-reported. Product page "Top 10 workers' compensation claims" list; a general industry pattern, not specific to any one policyholder.	Lockton lists specialty workers' compensation capabilities: alternative risk expertise including captive consulting and formation, Texas non-subscription consulting, Jones Act/Outer Continental Shelf/USL&H programs for maritime and offshore exposures, trucking solutions including occupational accident programs, and qualified self-insurance consulting, implementation, administration, design and placement. ²Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy.
Role in This Line	Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. ¹Company-reported. Gallagher Small Business's direct-to-small-business workers' compensation product page.	Lockton's workers' compensation team designs programs and analyzes their effectiveness through what it calls a strategic claims mitigation process; the team includes actuaries, claims advisors and safety specialists working alongside brokers. Lockton is the broker, not the insurer of record. ²Company-reported. Workers' Compensation product page as read 2026-09-23.

Criteria

Gallagher Small Business Workers' Compensation Insurance

Lockton Workers' Compensation Insurance Brokerage

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. ¹Company-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. ¹Company-reported. Product page "Top 10 workers' compensation claims" list; a general industry pattern, not specific to any one policyholder.

Lockton lists specialty workers' compensation capabilities: alternative risk expertise including captive consulting and formation, Texas non-subscription consulting, Jones Act/Outer Continental Shelf/USL&H programs for maritime and offshore exposures, trucking solutions including occupational accident programs, and qualified self-insurance consulting, implementation, administration, design and placement. ²Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy.

Role in This Line

Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. ¹Company-reported. Gallagher Small Business's direct-to-small-business workers' compensation product page.

Lockton's workers' compensation team designs programs and analyzes their effectiveness through what it calls a strategic claims mitigation process; the team includes actuaries, claims advisors and safety specialists working alongside brokers. Lockton is the broker, not the insurer of record. ²Company-reported. Workers' Compensation product page as read 2026-09-23.