Gallagher vs 
The Hartford: How Do They Compare for Workers’ Compensation Insurance?
The Hartford describes pay-as-you-go billing on actual payroll and an average of $81 a month for businesses under $300,000 in payroll; Gallagher Small Business arranges coverage with partner carriers and offers an advisor phone line.
The Hartford reports an $81 monthly workers' comp average for payroll under $300,000; Gallagher offers small-business quotes but publishes no price. 2,1
What Are the Key Differences Between Gallagher and The Hartford Workers’ Compensation Insurance?
Underwriter Versus Broker
The Hartford also names a 1M+ provider network and pharmacy program; Gallagher offers online, phone or callback quoting. Choose Hartford if published pricing and medical services matter; choose Gallagher if you want a choice of quote channels. 2 2 1
Published Pricing
The Hartford says customers with less than $300,000 in payroll pay an average of $81 a month, with some policies starting as low as $13 a month; the page does not publish standard coverage limits, since state law and payroll drive required benefit levels. 2Company-reported. Company-reported average as of 2026-09-23; not a specific quote.
Gallagher's page discloses no comparable pricing; it lists coverage benefits and eligibility notes instead of a dollar figure. 1
Named Medical Services
The Hartford lists specific services tied to its own policy: a Preferred Medical Provider Network of over 1 million providers, a prescription drug program, and a Nursed Back to Health Program with nurse case managers. Gallagher's page does not describe comparable named medical services; it lists claim causes it tracks instead, such as overexertion and being struck by objects. 2 1
What Should You Confirm in Gallagher and The Hartford Workers’ Compensation Insurance Quotes?
- Ask The Hartford whether the $81-a-month average reflects the buyer's specific payroll and class code, since it is a company-reported average. 2
- Ask Gallagher for a payroll-based price estimate, since its page publishes no figures. 1
- If the business is in a monopolistic state, confirm with The Hartford whether it can even write the policy there. 2
- Ask whether the medical provider network and Rx program The Hartford describes are included at no extra cost or priced into the premium. 2
Gallagher vs The Hartford Workers’ Compensation Insurance Compared
Gallagher vs The Hartford: Workers’ Compensation Insurance: documented features by provider
| Criteria | Gallagher Small Business Workers' Compensation Insurance | The Hartford Workers' Compensation Insurance |
|---|---|---|
| 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. 1Company-reported. Product page eligibility and market-trends sections; actual state requirements should be confirmed for the buyer's location. | The Hartford says coverage requirements vary by state, and in some states (monopolistic states) workers' compensation can only be bought through a state-run fund, not from a private insurer like The Hartford. Common industries it names include gyms, manufacturing, medical offices, restaurants and retailers. 2Company-reported. Workers' compensation product page as read 2026-09-23. |
| 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. | The Hartford's workers' compensation insurance gives employees medical, wage and other benefits after a work-related injury or illness; most states require this coverage if a business has employees. 2Company-reported. Workers' compensation product page as read 2026-09-23. |
