Alliance Risk vs 
Lockton Workers’ Compensation Insurance
Alliance Risk publishes illustrative rate ranges and minimum premiums for workers' comp; Lockton publishes none, citing access to 100+ markets instead.
What Is Alliance Risk?
Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. 1,2
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 4,5,6
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. 8,9,10
Key Differences in Workers’ Compensation Insurance
Pricing Transparency and Market Access
Alliance Risk and Lockton are both brokers that place workers' comp with outside carriers rather than underwriting it. 3 7 They differ in what they publish about cost and reach. Alliance Risk's page states indicative rate ranges per $100 of payroll and typical annual minimum premiums:
Alliance Risk publishes indicative rate ranges per $100 of payroll (for example $0.25–$1.50 for low-risk office roles up to $7.00–$25.00+ for high-risk construction work) and typical minimum premiums of $250–$1,000 per year, but statutory benefit amounts are set by state law rather than published on the page. 3Company-reported. Workers' Compensation Insurance page, cost section; illustrative ranges, not a specific quote.
Lockton's page publishes no comparable figures, instead saying clients can access more than 100 regional, global and program workers' comp markets, with benchmarking through its InfoLock service. 7
Specialty Program Design
Lockton lists named specialty capabilities for this line: captive consulting and formation, Texas non-subscription consulting, Jones Act, Outer Continental Shelf and USL&H programs for maritime and offshore exposures, trucking occupational-accident programs, and qualified self-insurance design and administration. 7 Alliance Risk's page describes a narrower structuring choice between loss-sensitive and guaranteed-cost programs, without naming maritime, trucking or self-insurance-specific offerings. 3
Claims and Payroll Audits
Both brokers describe hands-on claims work, but from different angles. Alliance Risk says it audits payroll for misclassification and incorrect experience modifiers and manages claims from first report through closure, with a separate return-to-work program. 3 Lockton describes claims service advocates working to ensure coverage and reduce retained loss costs, alongside OSHA consulting and loss forecasting, without describing a payroll-classification audit. 7
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask Lockton which of its named specialty programs (captive, self-insurance, maritime, trucking) actually apply to your operations, since the page lists them broadly. 7
- Ask Alliance Risk whether its published rate ranges and minimum premiums reflect your state and class codes, since the page calls them illustrative. 3
- Get the issuing carrier from both; neither page names the insurers behind a specific placement. 3 7
- Ask each broker to detail its experience-modifier or claims-mitigation process in writing, since both describe it only in general terms.
Offering Details
Alliance Risk vs Lockton Workers’ Compensation Insurance: documented features by provider
| Criteria | Alliance Risk Workers' Compensation Insurance | Lockton Workers' Compensation Insurance Brokerage |
|---|---|---|
| Role in This Line | Alliance Risk places workers' compensation coverage and says it provides state-by-state compliance review, claims and injury analysis, and carrier negotiation and benchmarking as a broker service for this legally required line. 3Company-reported. Workers' Compensation Insurance page, "Our Approach" section. | Lockton's workers' compensation team designs programs and analyzes their effectiveness through what it calls a strategic claims mitigation process; the team includes actuaries, claims advisors and safety specialists working alongside brokers. Lockton is the broker, not the insurer of record. 7Company-reported. Workers' Compensation product page as read 2026-09-23. |
| Issuing Insurer | Alliance Risk's page notes that some states, including North Dakota, Ohio, Washington and Wyoming, require coverage through a state-run monopolistic fund, but it does not name the private insurers it places workers' comp with elsewhere. 3Not publicly disclosed. Workers' Compensation Insurance page, "Special Considerations by State" section. | The page does not name the workers' compensation insurers or programs Lockton places coverage with for a given client, beyond describing access to '100+ markets' in general terms. 7Not publicly disclosed. Workers' Compensation page checked 2026-09-23. |
| Who It’s For | Alliance Risk says nearly any business with W-2 employees needs workers' comp in most states, and highlights construction, manufacturing and healthcare as high-risk industries, along with employers using subcontractors, temps, seasonal workers, or a multi-state or remote workforce. 3Company-reported. Workers' Compensation Insurance page, "Who Needs" section. | Not described in the reviewed sources. |
| Coverage Features | Alliance Risk describes workers' comp as covering medical expenses, partial lost-wage replacement, temporary or permanent disability payments, rehabilitation and death benefits, while excluding off-duty injuries, self-inflicted injuries, drug- or alcohol-related accidents, and owner or partner injuries unless added by endorsement. 3Company-reported. Workers' Compensation Insurance page, "What Does/Doesn't Cover" sections; the issued policy and state statute control actual terms. | Lockton lists specialty workers' compensation capabilities: alternative risk expertise including captive consulting and formation, Texas non-subscription consulting, Jones Act/Outer Continental Shelf/USL&H programs for maritime and offshore exposures, trucking solutions including occupational accident programs, and qualified self-insurance consulting, implementation, administration, design and placement. 7Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy. |
| Limits and Retentions | Alliance Risk publishes indicative rate ranges per $100 of payroll (for example $0.25–$1.50 for low-risk office roles up to $7.00–$25.00+ for high-risk construction work) and typical minimum premiums of $250–$1,000 per year, but statutory benefit amounts are set by state law rather than published on the page. 3Company-reported. Workers' Compensation Insurance page, cost section; illustrative ranges, not a specific quote. | Not described in the reviewed sources. |
| Risk Services | Alliance Risk lists workers' comp services including audits for misclassified payroll and incorrect experience modifiers, safety-program implementation through risk engineers, and structuring loss-sensitive versus guaranteed-cost programs. 3Company-reported. Workers' Compensation Insurance page, "The Alliance Risk Difference" section. | Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. 7Company-reported. Workers' Compensation product page as read 2026-09-23. Lockton says it offers a full suite of safety services designed to reduce loss costs, OSHA consulting, loss forecasting and probability analysis, and claims service advocates to help ensure coverage and reduce retained loss costs. 7Company-reported. Workers' Compensation product page as read 2026-09-23. |
| How to Apply | The reviewed workers' compensation page does not describe a line-specific document checklist for a quote beyond directing prospective clients to Alliance Risk's general contact and quote forms. 3Not found in reviewed sources. Workers' Compensation Insurance page as read on 2026-09-23. | Not described in the reviewed sources. |
| Claims Support | Alliance Risk says it manages workers' comp claims "from first report to closure" to control costs and prevent long-term disability or litigation, and separately runs return-to-work programs it says reduce downtime. 3Company-reported. Workers' Compensation Insurance page, "Our Approach" and "The Alliance Risk Difference" sections; claim outcomes are not independently verified. | Not described in the reviewed sources. |
Full Comparison
More Alliance Risk vs Lockton Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
Alliance Risk
- About Us. Alliance Risk; Our Story. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Workers’ Compensation Insurance. Alliance Risk; Our Approach to Workers’ Compensation; The Alliance Risk Difference; What Is Workers’ Comp Insurance?; Who Needs Workers’ Comp Insurance?; What Does/Doesn't Workers’ Comp Insurance Cover?; How Much Does Workers’ Comp Insurance Cost?; Special Considerations by State. Accessed 2026-09-23.
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- Workers' Compensation. Lockton; Empower your workforce to achieve your company goals; Access to a multitude of experts; list of workers' compensation expert services (100+ markets, InfoLock benchmarking, alternative risk/captive consulting, Texas non-subscription, Jones Act/OCS/USL&H, trucking occupational accident programs, self-insurance consulting, safety services, OSHA consulting, claims service advocates). 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.
