--- title: "CNA vs Lockton: Workers’ Compensation Insurance" description: "Lockton describes access to more than 100 workers’ compensation markets and specialist program services; CNA reports claims-team experience." canonical: "https://spot.insure/compare/cna-vs-lockton/workers-compensation" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-lockton" provider-a: "cna" provider-b: "lockton" coverage-line: "workers-compensation" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cna-vs-lockton/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of CNA 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 CNA 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:** - CNA vs Lockton for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, CNA or Lockton? - What does CNA or Lockton publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Workers’ Compensation Insurance from CNA or Lockton? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: CNA 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 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [CNA vs Lockton](https://spot.insure/compare/cna-vs-lockton) — parent: all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence) - [CNA vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-lockton/cargo-transit) — sibling comparison (other line, or other pair for this line) - [CNA vs Lockton Commercial Property Insurance](https://spot.insure/compare/cna-vs-lockton/commercial-property) — sibling comparison (other line, or other pair for this line) - [CNA vs Lockton Crime Insurance](https://spot.insure/compare/cna-vs-lockton/crime) — sibling comparison (other line, or other pair for this line) - [CNA vs Lockton Cyber Insurance](https://spot.insure/compare/cna-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs Lockton D&O Insurance](https://spot.insure/compare/cna-vs-lockton/directors-officers) — sibling comparison (other line, or other pair for this line) - [CNA vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line) - [CNA vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line) - [CNA vs Lockton General Liability Insurance](https://spot.insure/compare/cna-vs-lockton/general-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Lockton Product Liability Insurance](https://spot.insure/compare/cna-vs-lockton/product-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Lockton Surety Bonds](https://spot.insure/compare/cna-vs-lockton/surety-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-cna/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 CNA Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-cna/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 CNA Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-cna/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) # CNA vs Lockton: How Do They Compare for Workers’ Compensation Insurance? Lockton describes access to more than 100 workers’ compensation markets and specialist program services; CNA reports claims-team experience. ## How to Use the CNA vs Lockton Workers’ Compensation Insurance Comparison Use this comparison to evaluate CNA 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. ## CNA vs Lockton Workers’ Compensation Insurance Summary Lockton says clients can access more than 100 regional, global and program markets, alongside benchmarking and specialty workers’ compensation work. CNA reports a dedicated claims team averaging 20 years’ experience. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") ## CNA Small Business Insurance: Products, Agents and Service CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer") [CNA profile](https://spot.insure/insurance-providers/cna) ## 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. [5](https://global.lockton.com/us/en "Lockton United States") [6](https://global.lockton.com/us/en/technology "Technology") [7](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. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [12](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources") ## What Are the Key Differences Between CNA and Lockton Workers’ Compensation Insurance? ### Market Access and Claims Experience Lockton is a broker and says its workers’ compensation clients can access more than 100 regional, global and program markets, with benchmarking through InfoLock. CNA describes its claims and prevention resources, while Lockton describes a broker’s access to a broad set of markets. Lockton’s market access is not a promise that every market will quote; compare actual insurer proposals and the roles each team will play. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") ### Specialist Programs and Claims Support Lockton lists captive consulting, Texas non-subscription, maritime programs, trucking options and qualified self-insurance support, and describes actuaries, claims advisors and safety specialists. CNA reports a dedicated claims team averaging 20 years’ experience and offers prevention resources. The records differ in program breadth versus a carrier service team; ask which Lockton capabilities fit your exposure and compare CNA’s quoted policy and service access. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") ## What Should You Confirm in CNA and Lockton Workers’ Compensation Insurance Quotes? - Ask Lockton which markets and specialty structures will consider your workforce and states. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") - Ask CNA for state availability, claims contacts and included risk services. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") ## CNA vs Lockton Workers’ Compensation Insurance Compared | Criteria | CNA Workers’ Compensation | 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. [8](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. [8](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 | CNA workers’ comp covers medical expenses and wage replacement for employees injured in the course of employment. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [8](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 | CNA offers safety information, training and risk-control programs to help businesses develop return-to-work strategies. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)

CNA says its dedicated claims team averages 20 years of workers’ compensation experience. [4](https://www.cna.com/products/workers-compensation "Workers’ Compensation Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US workers compensation Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. [8](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..)

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. [8](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..) | ## Related Pages for CNA vs Lockton Workers’ Compensation Insurance - [CNA vs Lockton](https://spot.insure/compare/cna-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. - [CNA vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-lockton/cargo-transit) - [CNA vs Lockton Commercial Property Insurance](https://spot.insure/compare/cna-vs-lockton/commercial-property) - [CNA vs Lockton Crime Insurance](https://spot.insure/compare/cna-vs-lockton/crime) - [CNA vs Lockton Cyber Insurance](https://spot.insure/compare/cna-vs-lockton/cyber) - [CNA vs Lockton D&O Insurance](https://spot.insure/compare/cna-vs-lockton/directors-officers) - [CNA vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-lockton/employment-practices) - [CNA vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-lockton/fiduciary) - [CNA vs Lockton General Liability Insurance](https://spot.insure/compare/cna-vs-lockton/general-liability) - [CNA vs Lockton Product Liability Insurance](https://spot.insure/compare/cna-vs-lockton/product-liability) - [CNA vs Lockton Surety Bonds](https://spot.insure/compare/cna-vs-lockton/surety-bonds) - [AIG vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-cna/workers-compensation) - [AIG vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-lockton/workers-compensation) - [Alliance Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-cna/workers-compensation) - [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation) - [Amelia Risk vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-cna/workers-compensation) - [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation) ## Sources for CNA vs Lockton Workers’ Compensation Insurance ### Sources About CNA 1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28. 2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28. 3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29. 4. [Workers’ Compensation Insurance | CNA Insurance](https://www.cna.com/products/workers-compensation). CNA; Benefits, prevention, claims. Accessed 2026-09-28. ### Sources About Lockton 5. [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. 6. [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. 7. [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. 8. [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. ### Sources for the Workers’ Compensation Insurance Guide 9. [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. 10. [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. 11. [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. 12. [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 2026-10-01. 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. ## CNA Review Scores for 2026 Review Score: 9.0 / 10 from 1 rated source, equally weighted. Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews. - NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers) - Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com) - BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews). ## Lockton Review Scores for 2026 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/cna-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)