---
title: "HUB International vs Lockton Workers’ Compensation Insurance"
description: "Lockton documents alternative-risk structures like captives and Jones Act programs for workers' comp; HUB publishes a detailed coverage and exclusions list instead."
canonical: "https://spot.insure/compare/hub-international-vs-lockton/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/hub-international-vs-lockton/workers-compensation)

# HUB International vs Lockton Workers’ Compensation Insurance

Lockton documents alternative-risk structures like captives and Jones Act programs for workers' comp; HUB publishes a detailed coverage and exclusions list instead.

## Research Scope and Use

Use this comparison to evaluate HUB International and Lockton for Workers’ Compensation Insurance 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

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. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## 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 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. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in 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. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

HUB's page instead documents standard coverage in more detail, itemizing what's covered and listing specific exclusions rather than describing alternative financing structures. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

### 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. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

### 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. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Lockton which of its 100+ markets would actually quote your business's risk profile. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Ask HUB for the specific insurer or fund it would place your business with. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- If a captive or self-insurance structure interests you, confirm HUB can arrange one or would need to refer that work out. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Ask HUB whether your state is the one exception it names (Texas) to the 49-state-plus-D.C. requirement. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## Offering Details

| Criteria | HUB International Workers' Compensation Insurance Brokerage | Lockton Workers' Compensation Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..) |
| Issuing Insurer | The workers' compensation page does not name an issuing insurer or state fund; HUB places this coverage with insurers or funds that vary by client and state. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the workers' compensation product page on 2026-09-23; no carrier is disclosed there..) | 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. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: Workers' Compensation page checked 2026-09-23..) |
| Who It’s For | HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here..) | Not described in the reviewed sources. |
| 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. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and state law control an actual claim..)<br><br>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. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..)<br><br>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. [8](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Company-reported; scope: Workers' Compensation product page as read 2026-09-23..) |

## Full Comparison

- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses.
- [HUB International vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-lockton/cargo-transit)
- [HUB International vs Lockton Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-lockton/commercial-property)
- [HUB International vs Lockton Crime Insurance](https://spot.insure/compare/hub-international-vs-lockton/crime)
- [HUB International vs Lockton Cyber Insurance](https://spot.insure/compare/hub-international-vs-lockton/cyber)
- [HUB International vs Lockton D&O Insurance](https://spot.insure/compare/hub-international-vs-lockton/directors-officers)
- [HUB International vs Lockton Employee Health Benefits](https://spot.insure/compare/hub-international-vs-lockton/employee-health-benefits)
- [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)
- [HUB International vs Lockton Product Liability Insurance](https://spot.insure/compare/hub-international-vs-lockton/product-liability)
- [HUB International vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/hub-international-vs-lockton/representations-warranties)
- [HUB International vs Lockton Surety Bonds](https://spot.insure/compare/hub-international-vs-lockton/surety-bonds)
- [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation)
- [Amelia Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/workers-compensation)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation)
- [Chubb vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-hub-international/workers-compensation)
- [Chubb vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-lockton/workers-compensation)

## 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. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; What is workers' compensation insurance?; Is Workers' Comp Required?; What's Covered; Misclassification Liability section; coverage exclusions list; state-requirement statement. 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. [Workers' Compensation](https://global.lockton.com/us/en/products-services/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

9. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-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.
10. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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.
11. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). 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.

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/workers-compensation.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)