# Sedgwick Is Not an Insurance Company: Here’s What You Need to Know | Attorney Brian White **Table of Contents***[*Expand*]* 1. How Does Sedgwick Differ From an Insurance Company?  2. What Are the Challenges of Dealing With Sedgwick?  3. What Is a Third-Party Claim in the Context of Workers’ Compensation?  4. Contact Our Houston Personal Injury Lawyers If You Have Questions About Sedgwick or an Insurance Claim ![Sedgwick Is Not an Insurance Company – Here’s What You Need to Know](https://attorneybrianwhite.com/wp-content/uploads/2024/09/Sedgwick-Is-Not-an-Insurance-CompanyHeres-What-You-Need-to-Know-300x200.jpg) When it comes to insurance claims, there are two main players: the insurance companies that issue policies and those that handle the claims process. [Sedgwick](https://www.sedgwick.com/about/), much like [Gallagher Bassett](https://attorneybrianwhite.com/blog/gallagher-bassett-is-not-an-insurance-company/), falls into the latter category.  Unlike an insurance company, Sedgwick is a [third-party administrator (TPA)](https://dictionary.justia.com/third-party-administrator). That means it manages and resolves claims on behalf of insurers, employers, and businesses but does not underwrite or issue insurance policies. This distinction creates confusion for many.  This blog provides vital information for anyone who has to deal with Sedgwick when seeking compensation after a [workplace injury](https://attorneybrianwhite.com/houston-tx/workplace-injury-lawyer/), [car accident](https://attorneybrianwhite.com/houston-tx/car-accident-lawyer/), or another covered incident.  ## How Does Sedgwick Differ From an Insurance Company?  Like Gallagher Bassett, Sedgwick does not assume the financial risks associated with [insurance claims](https://attorneybrianwhite.com/faqs/what-happens-if-my-insurance-claim-wasnt-enough-to-cover-the-costs-of-my-injuries/). Instead, their job is to manage the claims process for insurers and businesses, which often includes handling [workers’ compensation](https://attorneybrianwhite.com/), [property damage](https://attorneybrianwhite.com/blog/property-damage/), and other [liability](https://attorneybrianwhite.com/faqs/whats-liability/) claims.  In this role, Sedgwick takes on the investigation, processing, and settlement of claims.  By contrast, an insurance company issues policies, collects premiums from insured individuals, and provides financial coverage in the event of a covered incident. For example, if you cause a crash, your [liability insurance policy](https://www.tdi.texas.gov/tips/car-insurance.html) should cover the other party’s losses, such as medical expenses.   Sedgwick’s involvement can sometimes complicate matters, especially for injured parties who may not realize they are dealing with a claims administrator rather than the insurer itself. For a legal consultation call [(713) 500-5000](tel:+17135005000) ## What Are the Challenges of Dealing With Sedgwick?  One potential challenge in dealing with Sedgwick is that their claims adjusters are trained to minimize payouts on behalf of their clients – who are typically employers or insurance companies. This means that if you are injured and Sedgwick is involved, you may face resistance in obtaining the full compensation you deserve. For example, you may provide certain information, thinking it is useful for resolving your claim and receiving money for your losses. Unfortunately, a Sedgwick representative could use seemingly innocent statements to minimize your injuries. They are working to protect their clients and profits – not you. It’s also common for claimants to mistakenly believe that Sedgwick is the one responsible for paying their claims. In reality, Sedgwick’s job is to investigate and process the claim, but the actual payout will come from the insurance company or employer. This can lead to confusion and frustration, especially when [claims](https://attorneybrianwhite.com/resources/bad-faith-claims/) are unjustly delayed or denied. There is also a risk of [bad faith](https://attorneybrianwhite.com/houston-tx/insurance-bad-faith-lawyer/) practices or delayed results due to a lack of communication between Sedgwick and their client (an insurance company, for example).  ## What Is a Third-Party Claim in the Context of Workers’ Compensation?  Third-party claims are important to understand if Sedgwick is handling your workers’ compensation claim.  A [third-party claim](https://dictionary.contracts.justia.com/third-party-claim/) arises when someone who is not your employer – such as a subcontractor, vendor, or [negligent](https://attorneybrianwhite.com/faqs/what-is-negligence/) driver – is responsible for your injury. For example, if you are injured at work due to a [distracted motorist](https://attorneybrianwhite.com/houston-tx/car-accident-lawyer/distracted-driving/), you could be eligible to file a claim against them, even if you are already receiving workers’ compensation benefits. Sedgwick may process your workers’ compensation claim, but an attorney can step in to help you pursue compensation from a liable [third party](https://attorneybrianwhite.com/faqs/who-is-a-third-party-in-a-personal-injury-case/). This allows you to maximize your recovery, ensuring that those who are responsible for your injuries are held accountable. [Click to contact](/contact-us/) us today ## Contact Our Houston Personal Injury Lawyers If You Have Questions About Sedgwick or an Insurance Claim If you’re dealing with Sedgwick after an accident or injury, don’t let the claims process overwhelm or confuse you. Contact Attorney Brian White Personal Injury Lawyers for a free consultation.  We can help you understand your legal options and fight for the compensation you deserve, even when dealing with a TPA like Sedgwick. Product liability law offers a path to justice for those harmed by dangerous or defective products and helps prevent future tragedies. Reach out to a [Houston products liability lawyer](https://attorneybrianwhite.com/houston-tx/product-liability-lawyer/) to learn more.  Our offices Houston — Greenway/Upper Kirby 3120 Southwest Freeway, Suite 350 Houston, TX 77098 Open 24 hours daily Call [(713) 364-1466](tel:+17133641466) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%203120%20Southwest%20Freeway%2C%20Suite%20350%2C%20Houston%2C%20TX%2077098) Houston — East Freeway 11811 East Freeway, Suite 630-06 Houston, TX 77029 Open 24 hours daily Call [(713) 609-1893](tel:+17136091893) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%2011811%20East%20Freeway%2C%20Suite%20630-06%2C%20Houston%2C%20TX%2077029) Houston — South Loop 2600 South Loop West, Suite 293 Houston, TX 77054 Open 24 hours daily Call [(713) 281-4904](tel:+17132814904) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%202600%20South%20Loop%20West%2C%20Suite%20293%2C%20Houston%2C%20TX%2077054) Houston — Katy Freeway 11511 Katy Fwy, Suite 515 Houston, TX 77079 Open 24 hours daily Call [(713) 909-7537](tel:+17139097537) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%2011511%20Katy%20Fwy%2C%20Suite%20515%2C%20Houston%2C%20TX%2077079) Houston — Clear Lake 1300 Bay Area Blvd, Suite B268 Houston, TX 77058 By appointment only Call [(936) 508-2854](tel:+19365082854) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%201300%20Bay%20Area%20Blvd%2C%20Suite%20B268%2C%20Houston%2C%20TX%2077058) The Woodlands 1776 Woodstead Ct, Ste. 203 The Woodlands, TX 77380 By appointment only Call [(281) 843-9777](tel:+12818439777) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%201776%20Woodstead%20Ct%2C%20Ste.%20203%2C%20The%20Woodlands%2C%20TX%2077380) Champion Forest (Cypress) 4606 FM 1960 Rd W, Ste. 444 Houston, TX 77069 By appointment only Call [(281) 843-9777](tel:+12818439777) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%204606%20FM%201960%20Rd%20W%2C%20Ste.%20444%2C%20Houston%2C%20TX%2077069) --- ### About the Author Brian White ![About the Author Brian White](https://attorneybrianwhite.com/wp-content/uploads/2024/12/brian-white-houston-personal-injury-lawyer-300x300.jpg) [Brian White](https://attorneybrianwhite.com/about/our-attorneys/brian-white/) earned his J.D. from South Texas College of Law in Houston and is licensed to practice in Texas. He is a [Board-Certified](https://attorneybrianwhite.com/resources/brian-white-is-board-certified-in-personal-injury-trial-law/) Personal Injury Trial Lawyer. Dedicated to giving back, he actively supports local charities and [community initiatives](https://attorneybrianwhite.com/about/community-involvement/). [Client testimonials](https://attorneybrianwhite.com/about/testimonials/) highlight Brian’s compassion, open communication, and dedication to achieving the best outcomes for those he represents. [Avvo](https://www.avvo.com/attorneys/77098-tx-brian-white-74113.html) / [Justia](https://lawyers.justia.com/lawyer/brian-elliott-white-201630) / [Linkedin](https://www.linkedin.com/in/attorney-brian-white-378410166) Call or Text [(713) 500-5000](tel:+17135005000) or Complete a [Case Evaluation Form](/contact-us/) Car Accidents Blog Posts: [![Car Accidents Caused By Brake Checking in Houston](https://attorneybrianwhite.com/wp-content/uploads/2023/10/Car-Accidents-Caused-By-Brake-Checking-in-Houston-300x200.jpg)](https://attorneybrianwhite.com/blog/car-accidents-caused-by-brake-checking-in-houston/) [Car Accidents Caused By Brake Checking in Houston](https://attorneybrianwhite.com/blog/car-accidents-caused-by-brake-checking-in-houston/) Brake checking while traffic is congested can affect even the best of drivers. Even when there is no traffic, a [![How Can I Get Compensation For My Car Wreck?](https://attorneybrianwhite.com/wp-content/uploads/2020/10/iStock-1156650289-300x200.jpg)](https://attorneybrianwhite.com/blog/falling-asleep-while-driving/) [Falling Asleep While Driving](https://attorneybrianwhite.com/blog/falling-asleep-while-driving/) There is a great deal of information available about distracted driving and drunk driving. State and federal agencies [![Getting Surveillance Camera Footage Of A Car Accident](https://attorneybrianwhite.com/wp-content/uploads/2025/05/getting-surveillance-camera-footage-of-a-car-accident-300x205.jpg)](https://attorneybrianwhite.com/blog/getting-surveillance-camera-footage-of-a-car-accident/) [Getting Surveillance Camera Footage of a Car Accident](https://attorneybrianwhite.com/blog/getting-surveillance-camera-footage-of-a-car-accident/) After you are injured in a car accident in Texas, you can pursue compensation from the liable party by filing an [![How Crash-Test Dummies and Biomechanics Improve Vehicle Safety](https://attorneybrianwhite.com/wp-content/uploads/2025/09/How-Crash-Test-Dummies-and-Biomechanics-Improve-Vehicle-Safety-300x214.jpg)](https://attorneybrianwhite.com/blog/how-crash-test-dummies-and-biomechanics-improve-vehicle-safety/) [How Crash Test Dummies and Biomechanics Improve Vehicle Safety](https://attorneybrianwhite.com/blog/how-crash-test-dummies-and-biomechanics-improve-vehicle-safety/) Every year, our vehicles become safer. Much of that progress can be traced to the science behind crash-test dummies --- Source: https://attorneybrianwhite.com/blog/sedgwick-is-not-an-insurance-company-heres-what-you-need-to-know/