---
title: "Lockton vs WithCoverage Workers’ Compensation Insurance"
description: "WithCoverage audits existing workers' compensation coverage for free without requiring a broker switch; Lockton designs new programs including captives and self-insurance."
canonical: "https://spot.insure/compare/lockton-vs-withcoverage/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Lockton vs WithCoverage Workers’ Compensation Insurance

WithCoverage audits existing workers' compensation coverage for free without requiring a broker switch; Lockton designs new programs including captives and self-insurance.

## Research Scope and Use

Use this comparison to evaluate Lockton and WithCoverage 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

WithCoverage offers a free program audit of existing workers' compensation coverage, typically finished in about a business day, without requiring a broker switch. Lockton instead designs new programs, naming capabilities like captive consulting and self-insurance administration. [8](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") [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 WithCoverage?

WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. Buyers can request a review of existing policies, compare insurance options and manage their program with its team. [5](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [6](https://www.withcoverage.com/company "About WithCoverage") [7](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B")

[WithCoverage profile](https://spot.insure/insurance-providers/withcoverage)

## 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. [11](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [12](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [13](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in Workers’ Compensation Insurance

### Auditing Existing Coverage Versus Designing New Programs

WithCoverage frames workers' compensation as part of a broader insurance-program audit for industries like construction and restaurants, reviewing what a client already has. [8](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") Lockton instead starts from program design, naming captive consulting and formation, Texas non-subscription, and qualified self-insurance implementation and administration. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

### Turnaround Time

WithCoverage says the audit costs nothing, usually finishes within one business day of receiving policy documents, and doesn't require switching away from an existing broker.

WithCoverage offers a no-cost program audit that includes workers' compensation without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. [8](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and restaurant page FAQs..)

Lockton's page doesn't publish a turnaround time for designing or binding a program; it emphasizes market breadth instead, saying clients can access more than 100 regional, global and program markets. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask WithCoverage what happens after the audit if it finds a gap: does it place new coverage itself or hand you back to your existing broker? [9](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management")
- Ask Lockton how long designing and binding a self-insurance or captive program typically takes. [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Confirm which insurer either provider would place your policy with, since neither names one. [8](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [4](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- Get the specific documents WithCoverage needs to complete its one-day audit. [8](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management")

## Offering Details

| Criteria | Lockton Workers' Compensation Insurance Brokerage | WithCoverage Workers' Compensation Program Review |
| --- | --- | --- |
| 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..) | WithCoverage is a broker, not an insurer; it reviews workers' compensation coverage as part of a broader insurance-program audit for construction and restaurant clients, among other industries, and can place or transition the coverage. [8](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") [10](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations..) |
| 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..) | The reviewed pages do not name which insurer or insurers WithCoverage places workers' compensation coverage with for any given client. [8](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Not found in reviewed sources; scope: Construction and restaurant pages as read on 2026-09-23..) |
| Who It’s For | Not described in the reviewed sources. | WithCoverage frames workers' compensation risk specifically for construction operators managing project profit margins and for restaurant operators managing thin service margins, rather than as a generic offering. [8](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and restaurant page hero copy..) |
| 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..) | Workers' compensation is explicitly named in both the page hero and the itemized program-audit scope on both the construction and restaurant industry pages, one of the few lines confirmed consistently in both places for multiple industries. [8](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and restaurant industry page hero copy and FAQ..) |
| 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..) | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | WithCoverage offers a no-cost program audit that includes workers' compensation without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. [8](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and restaurant page FAQs..) |

## Full Comparison

- [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage): 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 WithCoverage Commercial Property Insurance](https://spot.insure/compare/lockton-vs-withcoverage/commercial-property)
- [Lockton vs WithCoverage General Liability Insurance](https://spot.insure/compare/lockton-vs-withcoverage/general-liability)
- [Lockton vs WithCoverage Product Liability Insurance](https://spot.insure/compare/lockton-vs-withcoverage/product-liability)
- [Alliance Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/workers-compensation)
- [Alliance Risk vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/workers-compensation)
- [Amelia Risk vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/workers-compensation)
- [Amelia Risk vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-withcoverage/workers-compensation)
- [Chubb vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-lockton/workers-compensation)
- [Chubb vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-withcoverage/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.

### WithCoverage

5. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
6. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
7. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
8. [Construction Insurance & Risk Management](https://www.withcoverage.com/industries/construction). WithCoverage; Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Have Questions? program-audit FAQ listing Workers' Comp among reviewed policies. Accessed 2026-09-23.
9. [Restaurant Insurance & Risk Management](https://www.withcoverage.com/industries/restaurants). WithCoverage; Hero: "One gap in general liability, liquor liability, or workers' comp can erase a year of service"; Have Questions? program-audit FAQ listing Workers' Comp among reviewed policies. Accessed 2026-09-23.
10. [Terms & Conditions](https://www.withcoverage.com/legal/terms). WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

11. [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.
12. [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.
13. [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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