Gallagher vs Lockton: How Do They Compare for Business Insurance?

You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. ^8,9Company-reported. Public form inspected without submission; no quote, account creation or actual purchase tested.

You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. ^{25,14,28,16,27}Company-reported. US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.

Ask which insurers will quote your account: Gallagher says it accesses multiple markets and selects potential underwriters based on qualifications and client preferences, but public pages do not name the insurer for a specific startup. ^6,3Company-reported. US public market-access descriptions; no insurer list or carrier logo treated as guaranteed placement access.

Ask which insurer will issue your policy because Lockton does not promise a particular carrier or acceptable terms; its pages mention 100+ workers’ compensation markets without naming them and do not identify insurers for your policy. ^26,16,20Not publicly disclosed. US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.

Ask which Gallagher tools your engagement includes: Go supports client self-service, Submit tracks submissions and documents, and Verify manages certificates. ²Company-reported. Company-described technology-practice tools; no logged-in testing or universal account entitlement.

Former Woodruff Sawyer clients can use separate portals for benefits, policies, claims, certificates and auto ID cards; confirm which login serves your account. ¹Company-reported. Transition-page descriptions; no portal functionality tested.

Gallagher describes pre-renewal meetings across finance, HR, operations and risk teams, plus contract review and coverage-gap analysis; agree on the timeline and deliverables for your account. ¹⁰Company-reported. Casualty-practice service description, not a promise for all small-business engagements.

Lockton describes dedicated account teams, risk control and renewal service, including a round-the-clock technology service model; confirm actual service commitments and portal features because public pages provide no standard service agreement. ^{18,15,26,19,14}Company-reported. Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.

Gallagher describes specialized claims advocacy, including attorneys, for executive-risk customers working with insurers; this is support, not a guarantee of payment or claims quality. ³Company-reported. Executive-risk practice only; insurer decision-making, counsel role, charges and service scope require confirmation.

Lockton says its integrated claims team helps investigate, map facts to coverage and negotiate with insurers, but Lockton does not pay claims; service descriptions do not establish claim outcomes or quality. ^{15,17,22,24,20,26}Company-reported. Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.

Request placement-specific compensation because Gallagher may receive commissions, fees, contingent and supplemental commissions or affiliate/intermediary payments; no startup fee schedule is published. ⁴Company-reported. US compensation disclosure; no fee-free or uniform commission assumption.

Request all commissions and fees for your account: Lockton’s terms allow insurer commissions, client fees, contingent/supplemental compensation, insurer service fees, affiliate reinsurance income and finance interest, but publish no standard rates. ²⁶Company-reported. Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.