Hiscox vs 
Lockton: How Do They Compare for Workers’ Compensation Insurance?
Lockton, a broker, offers access to more than 100 workers' comp markets plus benchmarking; Hiscox gives buyers a Hartford Fire Insurance Company-underwritten policy only if they also hold its general liability policy.
Lockton documents specialty workers' compensation structures including captive consulting and Jones Act/USL&H programs. Hiscox instead requires a buyer to already hold or concurrently buy its general-liability policy before it provides access. 3,1
What Are the Key Differences Between Hiscox and Lockton 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. 3
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. 1
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. 1 3
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. 3 1
What Should You Confirm in Hiscox and Lockton Workers’ Compensation Insurance Quotes?
- Confirm whether you need to buy or already hold Hiscox general liability before it will quote workers' compensation. 1
- Ask Lockton which of its 100+ markets would actually quote your business's risk profile. 3
- Ask whether Hiscox's product is available for your business class, since the page says it isn't available for all classes. 1
- If a captive or self-insurance structure interests you, confirm whether Hiscox's Hartford-underwritten product supports it, or ask Lockton directly. 3
Hiscox vs Lockton Workers’ Compensation Insurance Compared
Hiscox vs Lockton: Workers’ Compensation Insurance: documented features by provider
| Criteria | Hiscox Workers Compensation Insurance | Lockton Workers' Compensation Insurance Brokerage |
|---|---|---|
| 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. 1Company-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. 3Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy. |
| 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. 1Company-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. 3Company-reported. Workers' Compensation product page as read 2026-09-23. |
