Gallagher vs Marsh Workers’ Compensation Insurance

Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. Marsh McLennan Agency (MMA) places workers' compensation insurance as one line within its broader casualty 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,^2,^3,^4,⁵

Read the Gallagher profile

What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. ^7,^8,^9,¹⁰

Read the Marsh profile

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. ^12,^13,¹⁴

Read the full coverage guide

Key Differences in Workers’ Compensation Insurance

Who Places or Issues the Policy

For this pair, Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. ⁶ Marsh McLennan Agency (MMA) places workers' compensation insurance as one line within its broader casualty insurance practice.

MMA says workers' compensation insurance provides coverage for medical expenses, lost wages and other costs in the event of an on-the-job injury or death. ¹¹Company-reported. MMA casualty insurance page; brief, general description rather than a specific policy form.

What the Policy Is Said to Cover

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 Marsh MMA says workers' compensation insurance provides coverage for medical expenses, lost wages and other costs in the event of an on-the-job injury or death. ¹¹

Buying Path

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 Marsh You work with an MMA casualty specialist directly; the page names an account manager contact and describes advisor-led placement rather than an online quote. ¹¹

What to Confirm in Workers’ Compensation Insurance Quotes

Ask Gallagher which insurer would issue this workers compensation quote if the record does not name one. ⁶
Ask Marsh which insurer would issue its workers compensation quote. ¹¹
Compare Gallagher and Marsh limits, deductibles and any bundle with other lines before you bind. ⁶ ¹¹

Offering Details

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

Criteria	Gallagher Small Business Workers' Compensation Insurance	Marsh McLennan Agency Workers' Compensation Insurance
Role in This Line	Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. ⁶Company-reported. Gallagher Small Business's direct-to-small-business workers' compensation product page.	Marsh McLennan Agency (MMA) places workers' compensation insurance as one line within its broader casualty insurance practice. ¹¹Company-reported. MMA casualty insurance page, Workers' Compensation subsection.
Issuing Insurer	The workers' compensation product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the workers' compensation product page on 2026-09-23.	The reviewed page does not name a specific workers' compensation insurer. ¹¹Not publicly disclosed. MMA casualty insurance page as read on 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. ⁶Company-reported. 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. ⁶Company-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. ⁶Company-reported. Product page "Top 10 workers' compensation claims" list; a general industry pattern, not specific to any one policyholder.	MMA says workers' compensation insurance provides coverage for medical expenses, lost wages and other costs in the event of an on-the-job injury or death. ¹¹Company-reported. MMA casualty insurance page; brief, general description rather than a specific policy form.
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. ⁶Not publicly disclosed. Checked the workers' compensation product page on 2026-09-23.	Not described in the reviewed sources.
Risk Services	Not described in the reviewed sources.	MMA lists risk consulting, claims management using data analytics, and risk analytics as services it applies across its casualty program, which includes workers' compensation. ¹¹Company-reported. MMA casualty insurance page, Casualty Coverage section; described for the casualty practice broadly, not exclusively for workers' compensation.
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. ⁶Company-reported. Product page "Get Covered Now" section.	You work with an MMA casualty specialist directly; the page names an account manager contact and describes advisor-led placement rather than an online quote. ¹¹Company-reported. MMA casualty insurance page.

Sources

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.

Marsh

Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
Comprehensive Casualty Cover. Marsh McLennan Agency; Casualty Coverage section: Risk Consulting, Claims Management, Risk Analytics, Workers' Compensation subsection (coverage for medical expenses, lost wages, and more in the event of an on-the-job injury or death). Accessed 2026-09-23.

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.