Founder Shield vs Lockton: How Do They Compare for Workers’ Compensation Insurance?

Both are brokers. Founder Shield highlights construction, restaurants and professional offices; Lockton offers access to more than 100 markets, benchmarking, and dedicated programs for maritime and trucking risks.

Lockton offers 100+ workers' comp markets and specialty programs for maritime, trucking and self-insurance; Founder Shield describes standard policies with A- or better carriers. ^4,³

What Are the Key Differences Between Founder Shield and Lockton Workers’ Compensation Insurance?

Named Services Versus a Carrier Standard

Lockton lists OSHA consulting, loss forecasting and claims advocacy; Founder Shield names construction, hospitality, healthcare, professional office and retail buyers. Choose Lockton for captive, Jones Act, offshore, trucking or self-insurance needs; choose Founder Shield for a standard policy with its stated carrier threshold. ⁴ ¹

Program Breadth

Lockton lists specialty workers' comp capabilities beyond a standard policy, including captive formation, Texas non-subscription consulting, Jones Act and USL&H programs for maritime exposures, and qualified self-insurance design. Founder Shield's page describes a single standard product covering medical expenses, lost wages, rehabilitation, death benefits and an optional employer-liability add-on, without alternative-risk-financing options. ⁴ ¹

Market Access

Lockton says clients get access to more than 100 regional, global and program workers' compensation markets, plus benchmarking through its InfoLock service. Founder Shield does not describe the size of its carrier panel; it names industry fit and an AM Best rating floor as its selection criteria instead of a market count. ⁴ ³

What Should You Confirm in Founder Shield and Lockton Workers’ Compensation Insurance Quotes?

Ask Lockton which of its named risk services (OSHA consulting, claims advocates, InfoLock benchmarking) apply to this specific account rather than the practice generally. ⁴
Ask Founder Shield to name the specific A- or better carrier proposed for this quote. ³
Neither page names the insurer that would issue the policy; request that in writing from both. ⁴ ³
If self-insurance or a captive structure is relevant, ask whether Founder Shield offers it, since only Lockton's page describes those alternatives. ⁴

Founder Shield vs Lockton Workers’ Compensation Insurance Compared

Founder Shield vs Lockton: Workers’ Compensation Insurance: documented features by provider

Criteria	Founder Shield Workers' Compensation Insurance	Lockton Workers' Compensation Insurance Brokerage
Coverage Features	Founder Shield lists medical expenses, a portion of lost wages, rehabilitation costs, death benefits, and an optional employer-liability add-on as what the policy covers. ¹Company-reported. Product page; the issued policy and declarations control actual coverage.	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	Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Workers' Compensation Insurance with third-party carriers rather than underwriting the policy itself. ²Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.	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.