---
title: "Gallagher vs Risklytics Workers’ Compensation Insurance"
description: "Risklytics says it charges no broker fee on top of premium; Gallagher's page does not address fee structure at all."
canonical: "https://spot.insure/compare/gallagher-vs-risklytics/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Gallagher vs Risklytics Workers’ Compensation Insurance

Risklytics says it charges no broker fee on top of premium; Gallagher's page does not address fee structure at all.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Risklytics 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

Risklytics says it does not charge a broker fee on top of premium, since its commission is paid by the carrier either way. Gallagher's page does not address fee structure; it offers an online quote form, phone line and callback for small businesses. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [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 Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/ "Insurance for Frontier Tech") [9](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [13](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [14](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in Workers’ Compensation Insurance

### Fee Structure

You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..)

Gallagher's reviewed page does not describe its own fee structure; it arranges coverage with partner carriers and offers an online quote form, phone line and scheduled callback. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

### Who Each Says It Serves

Risklytics frames its coverage examples around technical and field operations, such as a technician straining a back or a field installer falling from a ladder, and separately places business with specialist insurers willing to write robotics, autonomy and AI risk. Gallagher frames eligibility more generally, saying any business with employees most likely needs a policy. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

### Coverage Presentation

Gallagher lists specific benefits its policy covers: medical costs, lost wages, retraining costs, related legal fees and temporary replacement wages. Risklytics describes coverage in narrative terms tied to example injuries rather than an itemized benefits list. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance") [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Risklytics to name the specialist carrier it is proposing for a robotics, autonomy or AI-exposed business. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")
- Ask Gallagher to name the insurer that would issue the policy before binding. [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")
- If founders or officers want to exclude themselves from coverage, confirm the state rule with Risklytics and separately with Gallagher's placed carrier. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")
- Neither page publishes benefit limits; request a state benefit schedule and payroll-based quote from each. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/workers-compensation/ "Workers' Compensation Insurance")

## Offering Details

| Criteria | Gallagher Small Business Workers' Compensation Insurance | Risklytics Workers' Compensation Insurance |
| --- | --- | --- |
| 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..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Workers' Compensation Insurance with outside carriers; it says it does not underwrite policies itself. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| 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..) | Risklytics does not name the carrier that underwrites Risklytics Workers' Compensation Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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..) | Risklytics says the coverage is required by law in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | Risklytics describes Workers' Compensation as paying an injured employee's medical bills and part of their wages, citing a technician straining their back and a field installer falling from a ladder at a customer site as examples, and distinguishes it from general liability, which would answer a customer's own employee being hurt instead. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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..) | Risklytics says statutory limits for this line are set by state law rather than chosen by the buyer. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |
| Risk Services | Not described in the reviewed sources. | Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [Gallagher vs Risklytics](https://spot.insure/compare/gallagher-vs-risklytics): 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 Risklytics Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-risklytics/commercial-property)
- [Gallagher vs Risklytics Cyber Insurance](https://spot.insure/compare/gallagher-vs-risklytics/cyber)
- [Gallagher vs Risklytics D&O Insurance](https://spot.insure/compare/gallagher-vs-risklytics/directors-officers)
- [Gallagher vs Risklytics General Liability Insurance](https://spot.insure/compare/gallagher-vs-risklytics/general-liability)
- [Gallagher vs Risklytics Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-risklytics/technology-errors-omissions)
- [Gallagher vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-risklytics/umbrella-excess)
- [Alliance Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/workers-compensation)
- [Alliance Risk vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/workers-compensation)
- [Amelia Risk vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/workers-compensation)
- [Amelia Risk vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/workers-compensation)
- [Chubb vs Gallagher Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-gallagher/workers-compensation)
- [Chubb vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-risklytics/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.

### Risklytics

7. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
8. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
9. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
10. [Workers' Compensation Insurance](https://www.risklytics.ai/lines/workers-comp/). Risklytics; Coverage line: Workers’ Compensation; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
11. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

12. [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.
13. [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.
14. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/gallagher-vs-risklytics/workers-compensation.md)
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