What Is the Baldwin Group?
Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. 1,2
What Is Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 4,5,6
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 8,9,10,11
Key Differences in Workers’ Compensation Insurance
Specialty Programs and Alternative Risk
Lockton names workers’ compensation capabilities for maritime and offshore exposures, trucking, Texas non-subscription, captive consulting and qualified self-insurance. The Baldwin Group lists workers’ compensation programs across industries and may offer captive consulting, market access and placement advice. A business with a specialized exposure should ask Lockton whether a named program fits its operations; The Baldwin Group’s broader menu makes it important to verify the specific market and structure available. 3 7
Safety and Market Support
For day-to-day risk work, Lockton describes actuaries, claims advisers and safety specialists, alongside benchmarking and a suite of loss-control services. The Baldwin Group lists risk-mitigation experts, claims advocates, regulatory training and mod-rating analysis. Employers can compare the actual team and deliverables rather than assuming a service label means onsite visits, claims review or a particular market. 3 7
What to Confirm in Workers’ Compensation Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
The Baldwin Group
Review Score
No reviews found
The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.[8][1][2][4][9][10]
Read The Baldwin Group reviewsLockton
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsOffering Details
The Baldwin Group vs Lockton: Workers’ Compensation Insurance: documented features by provider
| Criteria | Workers’ Compensation Programs and Services | Lockton Workers' Compensation Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | 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 | Confirm in your quote. | 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. |
| Coverage Features | The Baldwin Group markets workers’ compensation programs for businesses across industries and says requirements vary by state. It lists medical treatment, vocational rehabilitation, recovery costs, disability payments, and partial missed wages among possible benefits. 3Company-reported. Company-described programs and possible benefit categories. This is not policy wording or a legal determination for an employer. Actual requirements and policy terms vary by state. | 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. |
| Risk Services | The Baldwin Group says its workers’ compensation service includes risk-mitigation experts and claims advocates who help clients design and deploy programs and promote workplace safety. 3Company-reported. Company-reported services; no guaranteed service level, outcome, or availability for every account. The Baldwin Group lists workers’ compensation support that may include market access, coverage-placement consulting, safety programs, regulatory training, benchmarking, captive consulting, and mod-rating analysis. 3Company-reported. Company-listed potential program capabilities. The page does not say every capability is included in every engagement. | 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. |
Full Comparison
More The Baldwin Group vs Lockton Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
The Baldwin Group
- The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025. U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28. Accessed 2026-09-28.
- Business Insurance. The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28. Accessed 2026-09-28.
- Workers’ Compensation Insurance. The Baldwin Group; Workers’ compensation page, “Elevated Expertise” lines 20–23; Coverage Snapshot lines 32–58; Risk Reduction lines 62–76; page accessed 2026-09-29. Accessed 2026-09-29.
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.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
