HUB International vs Lockton: How Do They Compare for Workers’ Compensation Insurance?

HUB International helps employers distinguish employees from contractors and lists workers’ comp exclusions; Lockton offers access to more than 100 regional, global and program options, including maritime and trucking coverage.

Lockton documents specialty workers' compensation structures including captive consulting and Jones Act/USL&H programs. HUB instead publishes a detailed coverage list and specific exclusions such as self-inflicted injuries. ^2,¹

What Are the Key Differences Between HUB International and Lockton Workers’ Compensation Insurance?

Specialty Structures vs. Standard Coverage Detail

Lockton documents a range of alternative risk-financing structures for this line, including captive formation, Texas non-subscription, Jones Act/OCS/USL&H programs for maritime exposures, and self-insurance implementation. ²

HUB's page instead documents standard coverage in more detail, itemizing what's covered and listing specific exclusions rather than describing alternative financing structures. ¹

Market Access and Services

Lockton says clients can access more than 100 regional, global and program markets and offers benchmarking through its InfoLock service. HUB's page instead documents a misclassification-liability advisory service, helping clients distinguish employees from contractors, without a comparable market-access figure. ² ¹

Who Underwrites the Policy

Neither page names the specific insurer that would issue a given policy. Lockton describes access to "100+ markets" in general terms, while HUB says only that insurers or funds vary by client and state. ² ¹

What Should You Confirm in HUB International and Lockton Workers’ Compensation Insurance Quotes?

Ask Lockton which of its 100+ markets would actually quote your business's risk profile. ²
Ask HUB for the specific insurer or fund it would place your business with. ¹
If a captive or self-insurance structure interests you, confirm HUB can arrange one or would need to refer that work out. ²
Ask HUB whether your state is the one exception it names (Texas) to the 49-state-plus-D.C. requirement. ¹

HUB International vs Lockton Workers’ Compensation Insurance Compared

HUB International vs Lockton: Workers’ Compensation Insurance: documented features by provider

Criteria	HUB International Workers' Compensation Insurance Brokerage	Lockton Workers' Compensation Insurance Brokerage
Coverage Features	HUB says workers' compensation covers medical bills, disability payments, rehabilitation and recovery costs, partial missed wages, and funeral or survivor benefits for injuries and illnesses sustained in the course of employment, plus an employer's legal defense fees and settlements for related workplace-injury lawsuits. ¹Company-reported. Product-page coverage description; the issued policy and state law control an actual claim. HUB lists exclusions that can apply to workers' compensation claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. ¹Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and 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. ²Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy.
Role in This Line	HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ¹Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing 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. ²Company-reported. Workers' Compensation product page as read 2026-09-23.
Risk Services	HUB describes helping clients address worker misclassification liability and distinguishing employees from contractors as part of its workers' compensation brokerage, alongside broader risk-reduction guidance. ¹Company-reported. Product-page misclassification-liability section; a company-reported advisory service.	Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. ²Company-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. ²Company-reported. Workers' Compensation product page as read 2026-09-23.

Criteria

HUB International Workers' Compensation Insurance Brokerage

Lockton Workers' Compensation Insurance Brokerage

Coverage Features

HUB says workers' compensation covers medical bills, disability payments, rehabilitation and recovery costs, partial missed wages, and funeral or survivor benefits for injuries and illnesses sustained in the course of employment, plus an employer's legal defense fees and settlements for related workplace-injury lawsuits. ¹Company-reported. Product-page coverage description; the issued policy and state law control an actual claim.

HUB lists exclusions that can apply to workers' compensation claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. ¹Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and 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. ²Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy.

Role in This Line

HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ¹Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing 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. ²Company-reported. Workers' Compensation product page as read 2026-09-23.

Risk Services

HUB describes helping clients address worker misclassification liability and distinguishing employees from contractors as part of its workers' compensation brokerage, alongside broader risk-reduction guidance. ¹Company-reported. Product-page misclassification-liability section; a company-reported advisory service.

Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. ²Company-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. ²Company-reported. Workers' Compensation product page as read 2026-09-23.