Lockton vs 
The Hartford: How Do They Compare for Workers’ Compensation Insurance?
Lockton, a broker, opens up more than 100 markets and dedicated programs; The Hartford describes pay-as-you-go billing on actual payroll and a Preferred Medical Provider Network of over 1 million providers.
The Hartford issues workers’ comp directly; Lockton brokers outside markets and designs captive, self-insurance and maritime programs. 2,1
What Are the Key Differences Between Lockton and The Hartford Workers’ Compensation Insurance?
Direct Carrier Versus Broker With Named Programs
The Hartford issues the policy directly, describing itself as the carrier throughout its product page. 2 Lockton is explicitly the broker rather than the insurer of record, naming specialty capabilities like captive consulting, Texas non-subscription and Jones Act/USL&H programs for maritime exposures that it places with outside markets. 1
Choose The Hartford if you want to buy directly from the policy issuer; choose Lockton if you need a broker to design a captive, self-insurance or maritime program. 2
Recovery Services Versus Loss-Control Consulting
The Hartford points to its Nursed Back to Health program, where nurse case managers coordinate an injured employee's recovery, backed by a Preferred Medical Provider Network of over 1 million providers.
The Hartford says policyholders get access to a Preferred Medical Provider Network of over 1 million providers, a prescription drug program covering more than 65,000 U.S. pharmacies (usually no out-of-pocket cost, plus mail order), a Needle Stick Reimbursement Program, and a Nursed Back to Health Program with nurse case managers coordinating care. 2Company-reported. Workers' compensation product page as read 2026-09-23.
Lockton instead describes a full suite of safety services, OSHA consulting and loss forecasting, plus claims service advocates working across the more than 100 markets it says it can access. 1
What Should You Confirm in Lockton and The Hartford Workers’ Compensation Insurance Quotes?
- Ask Lockton which specific insurer it would place your policy with among its named markets. 1
- Confirm The Hartford's reported average premium ($81 a month for payroll under $300,000) against your own payroll figures. 2
- If your operation needs captive or self-insurance structuring, ask whether The Hartford's standard policy offers a comparable alternative. 1
- Get The Hartford's pay-as-you-go billing terms in writing, since it bills on actual rather than estimated payroll. 2
Lockton vs The Hartford Workers’ Compensation Insurance Compared
Lockton vs The Hartford: Workers’ Compensation Insurance: documented features by provider
| Criteria | Lockton Workers' Compensation Insurance Brokerage | The Hartford 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. 1Company-reported. Workers' Compensation product page as read 2026-09-23. | The Hartford's workers' compensation insurance gives employees medical, wage and other benefits after a work-related injury or illness; most states require this coverage if a business has employees. 2Company-reported. Workers' compensation product page as read 2026-09-23. |
| 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. 1Company-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. 1Company-reported. Workers' Compensation product page as read 2026-09-23. | The Hartford says policyholders get access to a Preferred Medical Provider Network of over 1 million providers, a prescription drug program covering more than 65,000 U.S. pharmacies (usually no out-of-pocket cost, plus mail order), a Needle Stick Reimbursement Program, and a Nursed Back to Health Program with nurse case managers coordinating care. 2Company-reported. Workers' compensation product page as read 2026-09-23. The Hartford offers pay-as-you-go billing based on actual payroll rather than an estimate, and a My Workers' Comp Connection portal where injured employees can check claim status, review payments, sign up for direct deposit, and get a medical services card. 2Company-reported. Workers' compensation product page as read 2026-09-23. |
