---
title: "Gallagher vs Lockton Workers’ Compensation Insurance"
description: "Lockton names specialty workers' comp programs like captives and Jones Act coverage; Gallagher's page describes one standard small-business product."
canonical: "https://spot.insure/compare/gallagher-vs-lockton/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Gallagher vs Lockton Workers’ Compensation Insurance

Lockton names specialty workers' comp programs like captives and Jones Act coverage; Gallagher's page describes one standard small-business product.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Lockton 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

Lockton lists specialty workers' compensation capabilities including captive consulting, Texas non-subscription and Jones Act programs, plus access to over 100 markets. Gallagher's page describes a single standard product for small businesses with an online quote form and phone line. [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [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 Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [7](https://global.lockton.com/us/en "Lockton United States") [8](https://global.lockton.com/us/en/technology "Technology") [9](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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

### Specialty Programs Versus a Standard Product

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. [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy..)

Gallagher's page describes a single standard small-business workers' compensation product; it does not mention captives, self-insurance or maritime-specific programs. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

### 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. [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

### 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Lockton which of its named specialty programs, if any, apply to this business's exposures. [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Ask Gallagher whether any of its listed top claim causes apply to the business's operations. [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://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")
- If self-insurance or a captive structure is relevant, confirm whether Gallagher offers it, since only Lockton's page describes those alternatives. [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## Offering Details

| Criteria | Gallagher Small Business Workers' Compensation Insurance | Lockton 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..) | 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. [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..) |
| 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 page does not name the workers' compensation insurers or programs Lockton places coverage with for a given client, beyond describing access to '100+ markets' in general terms. [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: Workers' Compensation page checked 2026-09-23..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | 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. [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy..) |
| 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. | Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..)<br><br>Lockton says it offers a full suite of safety services designed to reduce loss costs, OSHA consulting, loss forecasting and probability analysis, and claims service advocates to help ensure coverage and reduce retained loss costs. [10](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..) |
| 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 Lockton](https://spot.insure/compare/gallagher-vs-lockton): 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 Lockton Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-lockton/commercial-property)
- [Gallagher vs Lockton Crime Insurance](https://spot.insure/compare/gallagher-vs-lockton/crime)
- [Gallagher vs Lockton Cyber Insurance](https://spot.insure/compare/gallagher-vs-lockton/cyber)
- [Gallagher vs Lockton D&O Insurance](https://spot.insure/compare/gallagher-vs-lockton/directors-officers)
- [Gallagher vs Lockton Employee Health Benefits](https://spot.insure/compare/gallagher-vs-lockton/employee-health-benefits)
- [Gallagher vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-lockton/employment-practices)
- [Gallagher vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-lockton/fiduciary)
- [Gallagher vs Lockton General Liability Insurance](https://spot.insure/compare/gallagher-vs-lockton/general-liability)
- [Gallagher vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-lockton/representations-warranties)
- [Gallagher vs Lockton Surety Bonds](https://spot.insure/compare/gallagher-vs-lockton/surety-bonds)
- [Alliance Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/workers-compensation)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation)
- [Amelia Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/workers-compensation)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation)
- [Chubb vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-gallagher/workers-compensation)
- [Chubb vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-lockton/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.

### Lockton

7. [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.
8. [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.
9. [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.
10. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Empower your workforce to achieve your company goals; Access to a multitude of experts; list of workers' compensation expert services (100+ markets, InfoLock benchmarking, alternative risk/captive consulting, Texas non-subscription, Jones Act/OCS/USL&H, trucking occupational accident programs, self-insurance consulting, safety services, OSHA consulting, claims service advocates). 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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