---
title: "HUB International vs Lockton Employee Health Benefits"
description: "HUB lists dozens of industries and cost-management workstreams; Lockton’s People Solutions practice publishes quarterly health-plan cost-trend research."
canonical: "https://spot.insure/compare/hub-international-vs-lockton/employee-health-benefits"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-lockton/employee-health-benefits)

# HUB International vs Lockton Employee Health Benefits

HUB lists dozens of industries and cost-management workstreams; Lockton’s People Solutions practice publishes quarterly health-plan cost-trend research.

## Research Scope and Use

Use this comparison to evaluate HUB International and Lockton for Employee Health Benefits against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

HUB brokers employee benefits across 14 featured industries plus 30-plus others, with multi-year cost-driver planning and engagement tools. Lockton People Solutions organizes work around employee experience, total rewards design, and measurement, and publishes quarterly U.S. medical and pharmacy trend figures. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions")

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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. [5](https://global.lockton.com/us/en "Lockton United States") [6](https://global.lockton.com/us/en/technology "Technology") [7](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Are Employee Health Benefits?

Employee health benefits help eligible employees pay for medical care through an employer-sponsored plan or arrangement. [9](https://www.cms.gov/files/document/nsa-health-insurance-basics.pdf "Health Insurance Basics") [10](https://www.healthcare.gov/small-businesses/learn-more/ "Health Insurance for Businesses")

## Key Differences in Employee Health Benefits

### Industry Catalogue Versus Practice Framing

HUB and Lockton both broker and consult on employee health programs; neither reviewed page says the firm insures the plan. HUB markets across construction, education, healthcare, hospitality, life sciences, technology and 30-plus additional sectors. Lockton’s People Solutions page does not publish an industry roster; it frames the work as balancing talent attraction against cost control. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions")

### Cost Tools You Can Ask For

HUB lists multi-year cost-driver planning, absence management, actuarial and financial consulting, healthcare cost management, pharmacy benefits management and compliance support. Lockton describes three service areas: employee experience and engagement, total rewards and benefits design, and program management and measurement. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions")

Lockton also publishes a quarterly People Solutions Market Update. Its Q3 2026 update reported 2025 medical and pharmacy trend at 7.7% year-over-year after 8% the year before. HUB’s reviewed page does not publish comparable market-trend figures. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions")

### Plan Design and Access

HUB says it personalizes plans through analytics, retirement, executive and global benefits, voluntary benefits and strategic planning, and engages employees with communications, health programs and workforce technology. Lockton’s reviewed page does not break those sub-practices out the same way. HUB directs you to talk to an employee-benefits broker; Lockton’s reviewed page does not describe a self-serve quote. Neither names the issuing carrier. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions")

## What to Confirm in Employee Health Benefits Quotes

- Ask HUB which industry practice would staff your account among the listed sectors. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services")
- Ask Lockton how the Q3 2026 trend figures would be applied to your renewal, and which of the three People Solutions areas would lead. [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions")
- Compare HUB’s pharmacy, absence and actuarial workstreams with Lockton’s total-rewards and measurement scope for the same census. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions")
- Get issuing carriers from both; HUB’s page does not name them and Lockton’s page does not name them. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions")

## Offering Details

| Criteria | HUB International Employee Benefits Brokerage and Consulting | Lockton People Solutions Employee Benefits Brokerage |
| --- | --- | --- |
| Role in This Line | HUB brokers and consults on employee health and benefits programs rather than insuring them itself, offering cost management, plan design and employee-engagement services around the placed coverage. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Employee benefits product page, read 2026-09-23. The page does not name an issuing insurer..) | Lockton's People Solutions practice designs and places employee health and benefit programs; the reviewed page describes brokerage and advisory services, not Lockton acting as the benefits underwriter. [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") (Evidence: Company-reported; scope: People Solutions page as read 2026-09-23. The page URL for this line moved from the 'employee-benefits' path cited on Lockton's provider record to 'people-solutions'..) |
| Issuing Insurer | The employee-benefits product page does not name specific insurers or carriers; the issuing carrier for a benefits program depends on the placement. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Not found in reviewed sources; scope: Checked the employee-benefits product page on 2026-09-23..) | The page does not name the insurers or carriers whose employee-benefit plans Lockton places for clients. [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") (Evidence: Not publicly disclosed; scope: People Solutions page checked 2026-09-23..) |
| Who It’s For | HUB markets employee-benefits brokerage to organizations of varying sizes across a wide range of industries, listing 14 featured sectors such as construction, education, healthcare, hospitality, life sciences and technology, plus 30-plus additional sectors. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Product-page industry list; not a published underwriting appetite or size threshold..) | Not described in the reviewed sources. |
| Coverage Features | Not described in the reviewed sources. | Lockton publishes a quarterly People Solutions Market Update with U.S. health-plan cost data; its Q3 2026 update reported 2025 medical and pharmacy trend at 7.7% year-over-year, following 8% the year before. [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") (Evidence: Company-reported; scope: People Solutions page as read 2026-09-23. Cost-trend figures are company-reported market commentary, not a specific client's premium..) |
| Limits and Retentions | No published pricing, plan minimums or funding thresholds for HUB-brokered employee-benefits programs were found on the product page. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Not publicly disclosed; scope: Checked the employee-benefits product page on 2026-09-23; premiums and plan terms depend on the employer's census and the carrier's underwriting..) | Not described in the reviewed sources. |
| Risk Services | HUB says it helps employers manage benefits costs through multi-year cost-driver planning, absence management, actuarial and financial consulting, healthcare cost management, pharmacy benefits management and compliance support. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Product-page "Manage Costs" section..)<br><br>HUB says it personalizes benefit plans through benefits analytics, employee retirement plans, executive and global benefits, voluntary benefits and strategic benefits planning, and helps engage employees through benefits communication, health and performance programs, and workforce technology tools. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Product-page "Personalize Benefits" and "Engage Your People" sections..) | Lockton describes three service areas for employee benefits clients: employee experience and engagement, total rewards and benefits design, and program management and measurement, aimed at balancing talent attraction and retention against cost control. [8](https://global.lockton.com/us/en/products-services/people-solutions "US People Solutions") (Evidence: Company-reported; scope: People Solutions page as read 2026-09-23..) |
| How to Apply | HUB directs prospects to "Talk to an Employee Benefits Broker" rather than an online quote or enrollment flow on this page. [4](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Product-page call to action..) | Not described in the reviewed sources. |

## Full Comparison

- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton): all coverage lines, business roles, service and claims.
- [What Are Employee Health Benefits?](https://spot.insure/coverage/employee-health-benefits): Employee health benefits help your team pay for medical care through an employer-sponsored plan or arrangement.
- [HUB International vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-lockton/cargo-transit)
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- [HUB International vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/employment-practices)
- [HUB International vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/fiduciary)
- [HUB International vs Lockton General Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/general-liability)
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## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; An Employee Benefits Broker for Changing Times; Manage Costs, Personalize Benefits, Engage Your People sections; featured and additional industry list; Talk to an Employee Benefits Broker call to action. Accessed 2026-09-23.

### Lockton

5. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
6. [Technology](https://global.lockton.com/us/en/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.
7. [US Terms of Business](https://global.lockton.com/us/en/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.
8. [US People Solutions](https://global.lockton.com/us/en/products-services/people-solutions). Lockton; Introducing Lockton People Solutions; employee experiences, total rewards and benefits, management and measurement; People Solutions Market Update Q3 2026 healthcare cost data. Accessed 2026-09-23.

### Employee Health Benefits Guide

9. [Health Insurance Basics](https://www.cms.gov/files/document/nsa-health-insurance-basics.pdf). Centers for Medicare & Medicaid Services; PDF p.1: What is health insurance? What is a health insurance plan?; PDF p.2: Self-Insured Employer Plans vs. Fully-Insured Plans. Accessed 2026-09-16.
10. [Health Insurance for Businesses](https://www.healthcare.gov/small-businesses/learn-more/). HealthCare.gov / CMS; Group health insurance coverage; Health reimbursement arrangements. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-lockton/employee-health-benefits.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)