---
title: "Lockton vs The Hartford: Workers’ Compensation Insurance"
description: "The Hartford issues workers’ comp directly; Lockton brokers outside markets and designs captive, self-insurance and maritime programs."
canonical: "https://spot.insure/compare/lockton-vs-the-hartford/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-the-hartford"
provider-a: "lockton"
provider-b: "the-hartford"
coverage-line: "workers-compensation"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Lockton and The Hartford.
- 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 2026-09-25.

**Related pages:**
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford) — 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
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 policies directly; Lockton brokers coverage and designs specialty programs.

## Lockton vs The Hartford Workers’ Compensation Insurance Summary

The Hartford issues workers’ comp directly; Lockton brokers outside markets and designs captive, self-insurance and maritime programs. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## 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](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. [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")

### 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. [2](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. [1](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## 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](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. [2](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. [1](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. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")

## Lockton vs The Hartford Workers’ Compensation Insurance Compared

| 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. [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..) | 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. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: 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. [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..)<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. [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..) | 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. [2](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. [2](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..) |

## About Lockton and The Hartford and Workers’ Compensation Insurance

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

## Related Pages for Lockton vs The Hartford Workers’ Compensation

- [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 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)
- [The Hartford Workers’ Compensation Insurance](https://spot.insure/insurance-providers/the-hartford/workers-compensation)

## Sources for Lockton vs The Hartford 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 The Hartford

2. [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.

Updated 2026-09-25. 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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