Corgi vs 
Lockton: How Do They Compare for Workers’ Compensation Insurance?
Lockton is a broker, not the insurer, with access to more than 100 markets plus safety and claims services; Corgi treats workers' comp as a specialty coverage quoted in 1 to 14 days, not instantly.
Corgi fits startups seeking a conventional workers' comp quote in 1–14 days; Lockton fits larger or complex employers considering captives, maritime programs, self-insurance or broad market access. 2,1,4
What Are the Key Differences Between Corgi and Lockton Workers’ Compensation Insurance?
Startup Quote Versus Complex Program Design
Corgi lists workers' comp as a specialty policy with a 1–14 day quote window, separate from its instant flow for core startup policies. Lockton describes access to more than 100 markets plus captive, maritime, trucking and self-insurance capabilities. Choose Corgi for a conventional startup quote; choose Lockton if alternative risk financing or specialty exposures drive the decision. 1 4
Services Beyond the Policy
Corgi's reviewed pages list medical expenses, lost wages and rehabilitation but do not describe workers' comp safety or claims services. Lockton adds actuaries, claims advisors, safety specialists and benchmarking through its InfoLock service. 1 4
What Should You Confirm in Corgi and Lockton Workers’ Compensation Insurance Quotes?
- Ask Corgi which insurer would issue the policy and whether the 1–14 day range applies to your class and states. 1
- Ask Lockton which program structure and markets it recommends, including collateral or deductible requirements. 4
- Compare employer-liability limits and claims responsibilities in writing. 1 4
Corgi vs Lockton Workers’ Compensation Insurance Compared
Corgi vs Lockton: Workers’ Compensation Insurance: documented features by provider
| Criteria | Corgi Worker's Compensation | Lockton Workers' Compensation Insurance Brokerage |
|---|---|---|
| Coverage Features | Corgi describes the product as providing benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs. 2,1Company-reported. One-sentence catalog description; no policy form, statutory-limits detail, monopolistic-state handling, or employer's-liability sublimit is published for this line. | 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. 4Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy. |
| Role in This Line | Corgi lists Worker's Compensation as a specialty coverage quoted with a 1-14 day turnaround, not through the instant online quote flow it uses for CGL, D&O, Tech E&O, and its other core startup policies. 2,1Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; a direct URL guess (/workers-compensation) returned a 404. | 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. 4Company-reported. Workers' Compensation product page as read 2026-09-23. |
