---
title: "Lockton vs Marsh Workers’ Compensation Insurance"
description: "Lockton names specific specialty programs like captives and Jones Act coverage; MMA covers the line briefly within its general casualty page."
canonical: "https://spot.insure/compare/lockton-vs-marsh/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Lockton vs Marsh Workers’ Compensation Insurance

Lockton names specific specialty programs like captives and Jones Act coverage; MMA covers the line briefly within its general casualty page.

## Research Scope and Use

Use this comparison to evaluate Lockton and Marsh 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 lists named specialty capabilities for workers' compensation, including captive consulting, Texas non-subscription and Jones Act/USL&H programs. Marsh McLennan Agency instead covers the line briefly within its broader casualty practice page, alongside risk consulting and claims analytics. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [9](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")

## 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. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

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

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [5](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [6](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [7](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [8](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## 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. [10](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [11](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [12](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in Workers’ Compensation Insurance

### Depth of Specialty Program Detail

Lockton lists named specialty capabilities for this line: captive consulting and formation, Texas non-subscription consulting, Jones Act/Outer Continental Shelf/USL&H programs for maritime exposures, trucking occupational accident programs, and qualified self-insurance design.

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. [4](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..)

MMA's page treats workers' compensation as one brief subsection of its general casualty page instead, describing the coverage in a sentence rather than listing named programs. [9](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")

### Market Access and Advisory Services

Lockton says clients can access more than 100 regional, global and program markets and offers benchmarking through its InfoLock service, alongside safety services and OSHA consulting. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") MMA instead lists risk consulting, data-driven claims management and risk analytics as services applied across its casualty program broadly, not specific to workers' compensation. [9](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")

## What to Confirm in Workers’ Compensation Insurance Quotes

- If your operation involves maritime, offshore or trucking exposure, ask Lockton whether its named specialty programs apply, since MMA's page doesn't describe them. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Ask MMA whether its risk-consulting and claims-analytics services apply specifically to workers' compensation. [9](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")
- Confirm which insurer either brokerage would place your policy with; neither page names one. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [9](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover")
- Ask Lockton for InfoLock benchmarking data relevant to your industry before comparing it to MMA's proposal. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## Offering Details

| Criteria | Lockton Workers' Compensation Insurance Brokerage | Marsh McLennan Agency Workers' Compensation Insurance |
| --- | --- | --- |
| 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. [4](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..) | Marsh McLennan Agency (MMA) places workers' compensation insurance as one line within its broader casualty insurance practice. [9](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: MMA casualty insurance page, Workers' Compensation subsection..) |
| 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. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: Workers' Compensation page checked 2026-09-23..) | The reviewed page does not name a specific workers' compensation insurer. [9](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Not publicly disclosed; scope: MMA casualty insurance page as read on 2026-09-23..) |
| 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. [4](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..) | MMA says workers' compensation insurance provides coverage for medical expenses, lost wages and other costs in the event of an on-the-job injury or death. [9](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: MMA casualty insurance page; brief, general description rather than a specific policy form..) |
| 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. [4](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. [4](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..) | MMA lists risk consulting, claims management using data analytics, and risk analytics as services it applies across its casualty program, which includes workers' compensation. [9](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: MMA casualty insurance page, Casualty Coverage section; described for the casualty practice broadly, not exclusively for workers' compensation..) |
| How to Apply | Not described in the reviewed sources. | You work with an MMA casualty specialist directly; the page names an account manager contact and describes advisor-led placement rather than an online quote. [9](https://www.marshmma.com/us/solutions/casualty.html "Comprehensive Casualty Cover") (Evidence: Company-reported; scope: MMA casualty insurance page..) |

## Full Comparison

- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh): 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.
- [Lockton vs Marsh Commercial Property Insurance](https://spot.insure/compare/lockton-vs-marsh/commercial-property)
- [Lockton vs Marsh Crime Insurance](https://spot.insure/compare/lockton-vs-marsh/crime)
- [Lockton vs Marsh Cyber Insurance](https://spot.insure/compare/lockton-vs-marsh/cyber)
- [Lockton vs Marsh D&O Insurance](https://spot.insure/compare/lockton-vs-marsh/directors-officers)
- [Lockton vs Marsh Employee Health Benefits](https://spot.insure/compare/lockton-vs-marsh/employee-health-benefits)
- [Lockton vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-marsh/employment-practices)
- [Lockton vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-marsh/fiduciary)
- [Lockton vs Marsh Surety Bonds](https://spot.insure/compare/lockton-vs-marsh/surety-bonds)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation)
- [Alliance Risk vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/workers-compensation)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation)
- [Amelia Risk vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/workers-compensation)
- [Chubb vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-lockton/workers-compensation)
- [Chubb vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-marsh/workers-compensation)

## Sources

### Lockton

1. [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.
2. [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.
3. [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.
4. [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.

### Marsh

5. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
6. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
7. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
8. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
9. [Comprehensive Casualty Cover](https://www.marshmma.com/us/solutions/casualty.html). Marsh McLennan Agency; Casualty Coverage section: Risk Consulting, Claims Management, Risk Analytics, Workers' Compensation subsection (coverage for medical expenses, lost wages, and more in the event of an on-the-job injury or death). Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

10. [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.
11. [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.
12. [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.

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