Heffernan Insurance Brokers vs Lockton: How Do They Compare for Workers’ Compensation Insurance?

Heffernan Insurance Brokers places workers' comp for businesses of all sizes and has a separate claims-consulting division; Lockton, a broker, offers access to more than 100 markets plus dedicated programs for maritime and trucking.

Lockton lists specialty workers' compensation capabilities including captive consulting, Texas non-subscription and Jones Act programs. Heffernan's documented specialty is a claims-advocacy division with carrier liaison and medical triage. ^5,^4,³

What Are the Key Differences Between Heffernan Insurance Brokers and Lockton Workers’ Compensation Insurance?

Specialty Program Structures

Lockton documents a range of alternative structures 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. ⁵Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy.

Heffernan's reviewed pages do not describe comparable alternative-risk structures like captives or self-insurance; they instead describe placing the line through named business practices such as small business, healthcare and home care. ²

Market Access

Lockton states it gives clients access to more than 100 regional, global and program workers' compensation markets, plus benchmarking through its InfoLock service. Heffernan's pages do not publish a comparable market-count figure, describing only that it works with "the nation's top" carriers in general terms for some of its practices. ⁵ ¹

Claims Services

Both firms describe claims-related services, but with different emphasis. Lockton lists claims service advocates aimed at ensuring coverage and reducing retained loss costs alongside safety and OSHA consulting. Heffernan documents named metrics for its claims division: over 25 years of experience, more than $1 billion in claims managed, and up to 75% faster claims processing, figures it reports about itself. ⁵ ⁴

What Should You Confirm in Heffernan Insurance Brokers and Lockton Workers’ Compensation Insurance Quotes?

Ask Lockton which of its 100+ markets would actually quote your business's risk profile. ⁵
Ask Heffernan which insurer it would place you with, since its pages name none. ¹
If a captive or self-insurance structure interests you, confirm Heffernan can arrange one or would need to refer that work out. ⁵
Ask Heffernan how its 75%-faster-claims figure was measured and whether it applies to your industry. ⁴

Heffernan Insurance Brokers vs Lockton Workers’ Compensation Compared

Heffernan Insurance Brokers vs Lockton: Workers’ Compensation Insurance: documented features by provider

Criteria	Heffernan Workers' Compensation Brokerage and Claims Advocacy	Lockton Workers' Compensation Insurance Brokerage
Coverage Features	Heffernan describes workers' compensation as covering injuries to employees while on the job, and says the cost has the greatest financial impact on a home care agency's expenses among the coverages in that package. ^2,³Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; the reviewed pages do not describe statutory limits or state-specific benefit schedules.	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. ⁵Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy.
Role in This Line	Heffernan lists workers' compensation among the basic coverages it places for business clients, and runs a separate claims-consulting division that works alongside the issuing carrier rather than underwriting the policy itself. ^1,⁴Company-reported. Business Insurance Brokerage and Claims Advocacy pages as read on 2026-09-23.	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. ⁵Company-reported. Workers' Compensation product page as read 2026-09-23.
Risk Services	Heffernan's Claims Advocacy division offers workers'-compensation-specific services including a customized claims strategy, direct carrier liaison, experience-mod analysis to identify cost-reduction opportunities, and 24/7 telephonic or onsite medical triage with telemedicine options. ^4,³Company-reported. Claims Advocacy page as read on 2026-09-23; separately, home care insurance specialists are described as advising on workers'-comp coverage and premium for that program.	Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. ⁵Company-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. ⁵Company-reported. Workers' Compensation product page as read 2026-09-23.

Criteria

Heffernan Workers' Compensation Brokerage and Claims Advocacy

Lockton Workers' Compensation Insurance Brokerage

Coverage Features

Heffernan describes workers' compensation as covering injuries to employees while on the job, and says the cost has the greatest financial impact on a home care agency's expenses among the coverages in that package. ^2,³Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; the reviewed pages do not describe statutory limits or state-specific benefit schedules.

Role in This Line

Heffernan lists workers' compensation among the basic coverages it places for business clients, and runs a separate claims-consulting division that works alongside the issuing carrier rather than underwriting the policy itself. ^1,⁴Company-reported. Business Insurance Brokerage and Claims Advocacy pages as read on 2026-09-23.

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. ⁵Company-reported. Workers' Compensation product page as read 2026-09-23.

Risk Services

Heffernan's Claims Advocacy division offers workers'-compensation-specific services including a customized claims strategy, direct carrier liaison, experience-mod analysis to identify cost-reduction opportunities, and 24/7 telephonic or onsite medical triage with telemedicine options. ^4,³Company-reported. Claims Advocacy page as read on 2026-09-23; separately, home care insurance specialists are described as advising on workers'-comp coverage and premium for that program.

Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. ⁵Company-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. ⁵Company-reported. Workers' Compensation product page as read 2026-09-23.