Lockton vs 
Marsh McLennan Agency: How Do They Compare for Workers’ Compensation Insurance?
Lockton’s cited claim says: “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.” Its recorded scope says: “Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy.” Marsh McLennan Agency’s selected claim says: “The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction.” Its recorded scope says: “workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.” The selected scopes limit each statement to its cited workers’ compensation material; the evidence does not establish a shared comparison dimension, so this route remains on evidence hold. 4,7
What Is Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 1,2,3
What Is Marsh McLennan Agency?
Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. 5,6
Read the Marsh McLennan Agency profile
Read the Marsh McLennan Agency Workers’ Compensation Insurance page
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 8,9,10,11
Key Differences in Workers’ Compensation Insurance
Specialty program capabilities do not have a matched MMA disclosure
Lockton’s selected claim lists workers’ compensation capabilities including captive consulting, Texas non-subscription consulting, maritime programs, trucking occupational-accident programs, and qualified self-insurance consulting. Its scope explicitly calls this a capability list rather than a specimen policy. The workers’ compensation page locator names those offerings in Lockton’s expert-services list. Marsh McLennan Agency’s selected claim and overview locator describe the line alongside general safety and prevention support. 4 7
Evidence boundary for this pair
A list of specialty structures cannot be compared with a broad safety/prevention description as if they answered the same buyer need. The MMA locator does not establish comparable captive, maritime, trucking, self-insurance, or market-access capabilities; it also does not prove those capabilities are unavailable. Because the reviewed records do not document a common specialty-program dimension, this route is held rather than presented as a provider difference. Reopen with an exact MMA workers’ compensation locator documenting the same type of structure or service, keeping Lockton’s list scoped as capabilities rather than policy terms. 4 7
What to Confirm in Workers’ Compensation Insurance Quotes
Lockton and Marsh McLennan Agency Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Lockton Review Score
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsMarsh McLennan Agency Review Score
Review Score
2 rated sources
There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.[8][9][1]
Read Marsh McLennan Agency reviewsLockton vs Marsh McLennan Agency Workers’ Compensation Compared
Lockton vs Marsh McLennan Agency: Workers’ Compensation Insurance: documented features by provider
| Criteria | Lockton Workers' Compensation Insurance Brokerage | Marsh McLennan Agency workers compensation (official overview) |
|---|---|---|
| Role in This Line | 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. 4Company-reported. Workers' Compensation product page as read 2026-09-23. | Marsh McLennan Agency describes arranging workers compensation for the audience stated on the cited product page. 7Company-reported. workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | 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. 4Not publicly disclosed. Workers' Compensation page checked 2026-09-23. | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | Businesses seeking commercial insurance and risk-management support; exact state and class eligibility is placement-specific. 7Company-reported. workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | 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. 4Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy. | The cited product page describes workers' compensation as a business coverage option, alongside risk-management support focused on safety and prevention. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 7Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. 4Company-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. 4Company-reported. Workers' Compensation product page as read 2026-09-23. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. 7Company-reported. workers compensation marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Related Pages for Lockton vs Marsh McLennan Agency
Workers’ Compensation Pages for Lockton and Marsh McLennan Agency
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Sources for Lockton vs Marsh McLennan Agency
Sources About 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.
Sources About Marsh McLennan Agency
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Business Insurance | MMA. Marsh McLennan Agency; Workers' compensation is named among business coverage options; risk services address safety and prevention. Accessed 2026-09-30.
Sources for the 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.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
