--- title: "Lockton vs Mylo: Workers’ Compensation Insurance" description: "Mylo names Ohio, North Dakota, Washington and Wyoming as monopolistic states and explains how a workers' compensation premium is calculated. Lockton instead lists named specialty capabilities such as captive consulting and Jones Act/USL&H programs for maritime exposures." canonical: "https://spot.insure/compare/lockton-vs-mylo/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-23" comparison-pair: "lockton-vs-mylo" provider-a: "lockton" provider-b: "mylo" coverage-line: "workers-compensation" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/lockton-vs-mylo/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Lockton and Mylo for Workers’ Compensation Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Workers’ Compensation Insurance questions about Lockton versus Mylo. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Lockton vs Mylo for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Lockton or Mylo? - What does Lockton or Mylo publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: Lockton and Mylo. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-23. **Related pages:** - [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo) — all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works - [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile - [Mylo profile](https://spot.insure/insurance-providers/mylo) — provider profile # Lockton vs Mylo: How Do They Compare for Workers’ Compensation Insurance? Maritime, offshore and trucking employers get dedicated programs, and everyone gets access to more than 100 markets, through Lockton, a broker; Mylo, also a broker, compares quotes from several carriers and explains how job type, payroll and claims history set premiums. Mylo names four monopolistic states and explains its premium formula; Lockton lists named specialty programs like captives and maritime coverage instead. ## Lockton vs Mylo Workers’ Compensation Insurance Summary Mylo names Ohio, North Dakota, Washington and Wyoming as monopolistic states and explains how a workers' compensation premium is calculated. Lockton instead lists named specialty capabilities such as captive consulting and Jones Act/USL&H programs for maritime exposures. [2](https://choosemylo.com/business/product-workers-comp "Workers' Comp") [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") ## What Are the Key Differences Between Lockton and Mylo Workers’ Compensation Insurance? ### Scale of Program Versus Standard Placement Lockton lists named specialty capabilities for workers' compensation: captive consulting and formation, Texas non-subscription, Jones Act/Outer Continental Shelf/USL&H programs, trucking occupational accident coverage, and qualified self-insurance design. [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") Mylo's page describes a more standard placement instead, comparing quotes from multiple carriers for a typical small or mid-size employer. [2](https://choosemylo.com/business/product-workers-comp "Workers' Comp") ### Naming State-Fund Requirements Mylo names the four monopolistic states directly and explains that its agents can direct buyers there accordingly. Mylo says Ohio, North Dakota, Washington and Wyoming require employers to buy workers' compensation from a state fund rather than a private insurer, and that its agents can direct buyers in those states accordingly. [2](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page "Your state makes a difference" section..) Lockton's page doesn't address monopolistic states; it focuses on market access instead, saying clients can reach more than 100 regional, global and program markets through its InfoLock benchmarking service. [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") ## What Should You Confirm in Lockton and Mylo Workers’ Compensation Insurance Quotes? - If you operate in Ohio, North Dakota, Washington or Wyoming, ask Lockton how it would handle the state-fund requirement, since its page doesn't name those states. [2](https://choosemylo.com/business/product-workers-comp "Workers' Comp") [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") - If your operation involves maritime or offshore exposure, ask Lockton whether its named specialty programs apply. [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") - Ask Mylo to show how the rate and classification it used compare across the carriers it quoted. [2](https://choosemylo.com/business/product-workers-comp "Workers' Comp") - Confirm which insurer either brokerage would place your policy with; neither names one. [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [2](https://choosemylo.com/business/product-workers-comp "Workers' Comp") ## Lockton vs Mylo Workers’ Compensation Insurance Compared | Criteria | Lockton Workers' Compensation Insurance Brokerage | Mylo Workers' Compensation Insurance | | --- | --- | --- | | 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. [1](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..) | Mylo describes workers' comp as a no-fault system covering workplace accidents, repetitive injuries and occupational illness, paying medical treatment, lost wages and retraining costs, and serving as the exclusive remedy that generally shields the employer from employee lawsuits over those injuries. [2](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page; the issued policy and its exclusions control..) | | 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. [1](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..) | Mylo brokers workers' compensation insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. [2](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page..) | | 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. [1](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..)

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. [1](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..) | Mylo says employers' liability coverage, often included within a workers' comp policy, can cover the rare situations where an employer is still sued over a workplace injury despite the no-fault system. [2](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page FAQ..) | ## About Lockton and Mylo and Workers’ Compensation Insurance - [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews) - [Mylo company profile](https://spot.insure/insurance-providers/mylo) · [Mylo customer reviews](https://spot.insure/insurance-providers/mylo/reviews) - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation) ## Related Pages for Lockton vs Mylo Workers’ Compensation Insurance - [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo): all coverage lines, business roles, service and claims. - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered. - [Lockton Workers’ Compensation Insurance](https://spot.insure/insurance-providers/lockton/workers-compensation) - [Mylo Workers’ Compensation Insurance](https://spot.insure/insurance-providers/mylo/workers-compensation) ## Sources for Lockton vs Mylo Workers’ Compensation Insurance ### Sources About Lockton 1. [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. ### Sources About Mylo 2. [Workers' Comp](https://choosemylo.com/business/product-workers-comp). Mylo; Workers' comp protects your employees and you; How do you benefit? (no-fault system); Your state makes a difference (monopolistic states); Workers' compensation FAQs (how premium is determined). Accessed 2026-09-23. 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/lockton-vs-mylo/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)