Hiscox vs 
Lockton Workers’ Compensation Insurance
Lockton lists alternative-risk structures like captives and Jones Act programs for workers' comp; Hiscox only unlocks the line for buyers who also hold its general liability.
What Is Hiscox?
Hiscox is a U.S. small-business insurance brand whose website is operated by Hiscox Inc., a Delaware producer that does business in California as Hiscox Insurance Agency. Eligible firms can quote general liability, professional liability, cyber and a business owner’s policy online; other advertised lines are often placed with partner insurers, so the issuing company on each quote still has to be checked. 1,2,3
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 6,7,8
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. 10,11,12
Key Differences in Workers’ Compensation Insurance
Specialty Structures vs. Access Prerequisite
Lockton documents a range of alternative structures for this line, including captive consulting, Texas non-subscription, Jones Act/USL&H programs and qualified self-insurance. 9
Hiscox's page instead documents an access condition rather than a structure choice: a buyer must already hold, or concurrently buy, a Hiscox general-liability policy before workers' compensation is offered. 4
Who Underwrites the Policy
Hiscox's page names Hartford Fire Insurance Company directly as the underwriter. Lockton's page does not name a specific insurer, describing only access to more than 100 regional, global and program markets in general terms. 4 9
Risk-Control Services
Lockton lists a full suite of safety services, OSHA consulting, loss forecasting and claims service advocates. Hiscox's workers'-compensation page describes no comparable Hiscox-added risk-control services, consistent with its role providing access to a Hartford-administered product rather than adding its own services. 9 4
What to Confirm in Workers’ Compensation Insurance Quotes
- Confirm whether you need to buy or already hold Hiscox general liability before it will quote workers' compensation. 4
- Ask Lockton which of its 100+ markets would actually quote your business's risk profile. 9
- Ask whether Hiscox's product is available for your business class, since the page says it isn't available for all classes. 4
- If a captive or self-insurance structure interests you, confirm whether Hiscox's Hartford-underwritten product supports it, or ask Lockton directly. 9
Offering Details
Hiscox vs Lockton Workers’ Compensation Insurance: documented features by provider
| Criteria | Hiscox Workers Compensation Insurance | Lockton Workers' Compensation Insurance Brokerage |
|---|---|---|
| Role in This Line | For workers' compensation, Hiscox Inc. acts as an access point to a partner insurer rather than underwriting the coverage itself, and requires the buyer to also hold a Hiscox general-liability policy before it will provide access to workers' compensation. 4Company-reported. Company-stated partnership structure; this differs from Hiscox's own-catalogue general liability, professional liability, cyber and BOP products, which are underwritten by its own affiliated insurer. | 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. 9Company-reported. Workers' Compensation product page as read 2026-09-23. |
| Issuing Insurer | Hiscox's workers'-compensation page footer names Hartford Fire Insurance Company, at One Hartford Plaza, Hartford, CT, as the underwriter, with coverage made available through Hiscox Inc. doing business as Hiscox Insurance Agency in California. 4Company-reported. Company-published footer disclosure; this is a different insurer from the Hiscox Insurance Company Inc. entity that underwrites Hiscox's own-catalogue products. | 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. 9Not publicly disclosed. Workers' Compensation page checked 2026-09-23. |
| Who It’s For | Hiscox says workers' compensation access requires the buyer to already hold, or concurrently purchase, a Hiscox general-liability policy, and that the product is not available for all classes of business. 4Company-reported. Company-stated prerequisite and class limitation; specific excluded classes are not listed on the page. | Not described in the reviewed sources. |
| Coverage Features | The workers'-compensation page describes the product in general terms as statutory workers' compensation coverage through the Hartford partnership; it does not add Hiscox-specific coverage enhancements beyond what a standard Hartford workers'-compensation policy would include. 4Company-reported. Company-stated partnership product; specific policy wording and state benefit levels are set by Hartford's issued policy and applicable state law. | 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. 9Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy. |
| Limits and Retentions | The workers'-compensation page does not publish benefit limits, wage-replacement percentages or premium information; statutory benefit levels are generally set by state law rather than by Hiscox or Hartford. 4Not publicly disclosed. Public product page as previously reviewed. | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. 9Company-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. 9Company-reported. Workers' Compensation product page as read 2026-09-23. |
| How to Apply | Hiscox lists workers' compensation among the products selectable from its small-business quote flow, routing eligible buyers who also carry (or are buying) general liability toward the Hartford-underwritten product. 5,4Company-reported. Company-described product-selector listing; eligibility and binding conditions require confirmation on the actual application. | Not described in the reviewed sources. |
Full Comparison
More Hiscox vs Lockton Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
Hiscox
- Website Terms & Conditions of Use. Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
- Get A Small Business Insurance Quote. Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
- About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
- Workers Compensation Insurance for Small Businesses. Hiscox; Partnership with The Hartford; general liability required to purchase workers comp; not available for all classes; footer that coverage is made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hartford Fire Insurance, One Hartford Plaza, Hartford, CT 06155. Accessed 2026-09-16.
- Hiscox Small Business Insurance. Hiscox; Product selector including workers compensation; partnership language for workers' compensation. Accessed 2026-09-16.
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- 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.
- US 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.
- 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
- Workers’ 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.
- Small Business Insurance. 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.
- DWC employer information. 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.
