---
title: "Lockton vs The Hartford Workers’ Compensation Insurance"
description: "The Hartford issues the policy directly with a nurse-managed care program; Lockton brokers coverage with named specialty and self-insurance programs."
canonical: "https://spot.insure/compare/lockton-vs-the-hartford/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Lockton vs The Hartford Workers’ Compensation Insurance

The Hartford issues the policy directly with a nurse-managed care program; Lockton brokers coverage with named specialty and self-insurance programs.

## Research Scope and Use

Use this comparison to evaluate Lockton and The Hartford 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

The Hartford issues workers' compensation directly and describes a Nursed Back to Health program with nurse case managers. Lockton instead brokers the line, naming specialty capabilities such as captive consulting and self-insurance design across outside markets. [8](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

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

## Key Differences in 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. [8](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") 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. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

### 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. [8](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Lockton which specific insurer it would place your policy with among its named markets. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Confirm The Hartford's reported average premium ($81 a month for payroll under $300,000) against your own payroll figures. [8](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")
- If your operation needs captive or self-insurance structuring, ask whether The Hartford's standard policy offers a comparable alternative. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Get The Hartford's pay-as-you-go billing terms in writing, since it bills on actual rather than estimated payroll. [8](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")

## Offering Details

| 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. [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..) | 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. [8](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..) |
| 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..) | Not described in the reviewed sources. |
| Who It’s For | Not described in the reviewed sources. | The Hartford says coverage requirements vary by state, and in some states (monopolistic states) workers' compensation can only be bought through a state-run fund, not from a private insurer like The Hartford. Common industries it names include gyms, manufacturing, medical offices, restaurants and retailers. [8](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 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..) | Not described in the reviewed sources. |
| Limits and Retentions | Not described in the reviewed sources. | The Hartford says customers with less than $300,000 in payroll pay an average of $81 a month, with some policies starting as low as $13 a month; the page does not publish standard coverage limits, since state law and payroll drive required benefit levels. [8](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23; not a specific quote..) |
| 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..) | 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. [8](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..)<br><br>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. [8](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..) |

## Full Comparison

- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford): 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 The Hartford Commercial Property Insurance](https://spot.insure/compare/lockton-vs-the-hartford/commercial-property)
- [Lockton vs The Hartford Crime Insurance](https://spot.insure/compare/lockton-vs-the-hartford/crime)
- [Lockton vs The Hartford Cyber Insurance](https://spot.insure/compare/lockton-vs-the-hartford/cyber)
- [Lockton vs The Hartford D&O Insurance](https://spot.insure/compare/lockton-vs-the-hartford/directors-officers)
- [Lockton vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-the-hartford/employment-practices)
- [Lockton vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-the-hartford/fiduciary)
- [Lockton vs The Hartford General Liability Insurance](https://spot.insure/compare/lockton-vs-the-hartford/general-liability)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation)
- [Alliance Risk vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/workers-compensation)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation)
- [Amelia Risk vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/workers-compensation)
- [Chubb vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-lockton/workers-compensation)
- [Chubb vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-the-hartford/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.

### The Hartford

5. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
8. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; What Is Workers' Compensation Insurance?; How Much Is Workers' Compensation Insurance?; Who Needs Workers' Compensation Insurance?; The Advantages of Workers' Comp From The Hartford; Benefits of The Hartford's WC Insurance; Workers' Compensation Insurance in Monopolistic States. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

9. [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.
10. [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.
11. [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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