---
title: "Lockton vs TechInsurance: Workers’ Compensation Insurance"
description: "TechInsurance reports a median premium of $54 a month and names Wyoming, Washington, Ohio and North Dakota as monopolistic states. Lockton instead names specialty capabilities such as captive consulting and self-insurance design without publishing a price."
canonical: "https://spot.insure/compare/lockton-vs-techinsurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
comparison-pair: "lockton-vs-techinsurance"
provider-a: "lockton"
provider-b: "techinsurance"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of Lockton and TechInsurance 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 TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Lockton vs TechInsurance for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Lockton or TechInsurance?
- What does Lockton or TechInsurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Lockton and TechInsurance.
- 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 TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance) — 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
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# Lockton vs TechInsurance: How Do They Compare for Workers’ Compensation Insurance?

Lockton is a broker offering access to more than 100 markets, safety services and dedicated programs; TechInsurance arranges small-business coverage through a short online application and says its policyholders pay a median of $54 a month.

TechInsurance publishes a median monthly premium and names four monopolistic states; Lockton lists named specialty and self-insurance programs instead.

## Lockton vs TechInsurance Workers’ Compensation Insurance Summary

TechInsurance reports a median premium of $54 a month and names Wyoming, Washington, Ohio and North Dakota as monopolistic states. Lockton instead names specialty capabilities such as captive consulting and self-insurance design without publishing a price. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## What Are the Key Differences Between Lockton and TechInsurance Workers’ Compensation Insurance?

### Published Pricing Versus Program Capabilities

TechInsurance publishes a book-wide median of $54 a month (about $643 a year), while noting the actual figure shifts with employee count, location and industry risk.

TechInsurance says its workers' compensation policyholders pay a median of $54 per month, or about $643 a year, with the exact cost depending on employee count, location, claims history, policy limits, payroll and industry risk factors. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..)

Lockton's page doesn't publish comparable pricing; it lists named specialty capabilities instead, such as captive consulting and formation, Texas non-subscription, and self-insurance design and administration. [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

### Naming State-Fund Requirements

TechInsurance names Wyoming, Washington, Ohio and North Dakota as the monopolistic states requiring a state fund. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") Lockton's page doesn't name specific monopolistic states; it addresses market access broadly instead, saying clients can reach more than 100 regional, global and program markets. [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## What Should You Confirm in Lockton and TechInsurance Workers’ Compensation Insurance Quotes?

- Ask TechInsurance whether its $54 median reflects a business your size and industry. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")
- If you're in Wyoming, Washington, Ohio or North Dakota, ask Lockton how it would handle the state-fund requirement. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- If your operation needs a captive or self-insurance structure, ask whether TechInsurance's marketplace can quote a comparable program. [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Confirm which insurer either provider would place your policy with; neither names one. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## Lockton vs TechInsurance Workers’ Compensation Insurance Compared

| Criteria | Lockton Workers' Compensation Insurance Brokerage | TechInsurance 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..) | TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: Workers' compensation product page; general policy description, not a specific policy form..) |
| 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..) | TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. [2](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: Workers' compensation product page..) |

## About Lockton and TechInsurance and Workers’ Compensation Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation)

## Related Pages for Lockton vs TechInsurance Workers’ Compensation

- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance): 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)
- [TechInsurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/techinsurance/workers-compensation)

## Sources for Lockton vs TechInsurance 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 TechInsurance

2. [Workers' Compensation Insurance – Compare Quotes](https://www.techinsurance.com/workers-compensation-insurance). TechInsurance; What does workers' compensation insurance cover? (emergency response, ongoing treatment, partial wages, employer's liability, death benefits); How much does workers' compensation insurance cost?; Are you legally required to carry workers' comp insurance?; Do sole proprietors and independent contractors need workers' compensation insurance?. 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-techinsurance/workers-compensation.md)
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