---
title: "The Baldwin Group vs Lockton: Workers’ Compensation Insurance"
description: "Compare Lockton’s named specialty workers’ compensation programs with The Baldwin Group’s broader placement and risk-service options."
canonical: "https://spot.insure/compare/baldwin-vs-lockton/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "baldwin-vs-lockton"
provider-a: "baldwin"
provider-b: "lockton"
coverage-line: "workers-compensation"
---

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[Human-readable page](https://spot.insure/compare/baldwin-vs-lockton/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of The Baldwin Group and Lockton for Workers’ Compensation Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Workers’ Compensation Insurance questions about The Baldwin Group versus Lockton. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- The Baldwin Group vs Lockton for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, The Baldwin Group or Lockton?
- What does The Baldwin Group or Lockton publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from The Baldwin Group or Lockton?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: The Baldwin Group and Lockton.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [The Baldwin Group vs Lockton](https://spot.insure/compare/baldwin-vs-lockton) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence)
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [The Baldwin Group vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-lockton/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Lockton Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-lockton/commercial-property) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Lockton Crime Insurance](https://spot.insure/compare/baldwin-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Lockton Cyber Insurance](https://spot.insure/compare/baldwin-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Lockton General Liability Insurance](https://spot.insure/compare/baldwin-vs-lockton/general-liability) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-lockton/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Lockton Surety Bonds](https://spot.insure/compare/baldwin-vs-lockton/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-baldwin/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)

# The Baldwin Group vs Lockton: How Do They Compare for Workers’ Compensation Insurance?

Compare Lockton’s named specialty workers’ compensation programs with The Baldwin Group’s broader placement and risk-service options.

## Research Scope and Use

Use this comparison to evaluate The Baldwin Group and Lockton for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Lockton lists specialized workers’ compensation structures for maritime, trucking, self-insurance and Texas non-subscription; The Baldwin Group outlines market access, safety and captive support. [3](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## 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](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance")

[The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin)

## 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](https://global.lockton.com/us/en "Lockton United States") [5](https://global.lockton.com/us/en/technology "Technology") [6](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [9](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [10](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [11](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## 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](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

### 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](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Does Lockton’s maritime, trucking, captive or Texas option apply to your operations and jurisdictions? [3](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Which markets and loss-control deliverables would The Baldwin Group assign to your account? [3](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## Offering Details

| 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. [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: 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. [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: 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. [3](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: 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. [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: 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. [3](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: Company-reported services; no guaranteed service level, outcome, or availability for every account..)<br><br>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. [3](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") (Evidence: Company-reported; scope: 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. [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..)<br><br>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. [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..) |

## Full Comparison

- [The Baldwin Group vs Lockton](https://spot.insure/compare/baldwin-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [The Baldwin Group vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-lockton/cargo-transit)
- [The Baldwin Group vs Lockton Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-lockton/commercial-property)
- [The Baldwin Group vs Lockton Crime Insurance](https://spot.insure/compare/baldwin-vs-lockton/crime)
- [The Baldwin Group vs Lockton Cyber Insurance](https://spot.insure/compare/baldwin-vs-lockton/cyber)
- [The Baldwin Group vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-lockton/employment-practices)
- [The Baldwin Group vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-lockton/fiduciary)
- [The Baldwin Group vs Lockton General Liability Insurance](https://spot.insure/compare/baldwin-vs-lockton/general-liability)
- [The Baldwin Group vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-lockton/representations-warranties)
- [The Baldwin Group vs Lockton Surety Bonds](https://spot.insure/compare/baldwin-vs-lockton/surety-bonds)
- [AIG vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-baldwin/workers-compensation)
- [AIG vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-lockton/workers-compensation)
- [Alliance Risk vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/workers-compensation)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation)
- [Amelia Risk vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/workers-compensation)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation)

## Sources

### The Baldwin Group

1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). 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.
2. [Business Insurance](https://baldwin.com/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.
3. [Workers’ Compensation Insurance](https://baldwin.com/business-insurance/solutions/workers-comp/). 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

4. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
5. [Technology](https://global.lockton.com/us/en/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.
6. [US Terms of Business](https://global.lockton.com/us/en/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.
7. [Workers' Compensation](https://global.lockton.com/us/en/products-services/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

8. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-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.
9. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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.
10. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). 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.
11. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). 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.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## The Baldwin Group Reviews

Review Score: not enough ratings.

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.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/reviews).

## Lockton Reviews

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/baldwin-vs-lockton/workers-compensation.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)