---
title: "AIG vs Lockton: General Liability Insurance"
description: "AIG lists General Liability within selected industry programs, while Lockton arranges custom insurer placements for commercial clients."
canonical: "https://spot.insure/compare/aig-vs-lockton/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-lockton"
provider-a: "aig"
provider-b: "lockton"
coverage-line: "general-liability"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-lockton/general-liability)

## Agent Guide

**What this page is:** Focused comparison of AIG and Lockton for General Liability 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 General Liability Insurance questions about AIG versus Lockton. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Lockton for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, AIG or Lockton?
- What does AIG or Lockton publish about General Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for General Liability Insurance from AIG or Lockton?

**Key facts:**
- Line: General Liability Insurance. Providers: AIG and Lockton.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Lockton](https://spot.insure/compare/aig-vs-lockton) — parent: all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [AIG vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-lockton/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Commercial Property Insurance](https://spot.insure/compare/aig-vs-lockton/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Crime Insurance](https://spot.insure/compare/aig-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Cyber Insurance](https://spot.insure/compare/aig-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton D&O Insurance](https://spot.insure/compare/aig-vs-lockton/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Employee Health Benefits](https://spot.insure/compare/aig-vs-lockton/employee-health-benefits) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Product Liability Insurance](https://spot.insure/compare/aig-vs-lockton/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk General Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk General Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley General Liability Insurance](https://spot.insure/compare/aig-vs-beazley/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line)

# AIG vs Lockton: How Do They Compare for General Liability Insurance?

AIG lists General Liability within selected industry programs, while Lockton arranges custom insurer placements for commercial clients.

## Research Scope and Use

Use this comparison to evaluate AIG and Lockton for General Liability 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

AIG’s directory ties General Liability to named programs such as towing and manufactured housing; Lockton describes broker-designed placements for manufacturers, contractors and other commercial sectors. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [7](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is Lockton?

Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. [4](https://global.lockton.com/us/en "Lockton United States") [5](https://global.lockton.com/us/en/technology "Technology") [6](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [9](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in General Liability Insurance

### Program eligibility versus custom placement

AIG’s directory names General Liability inside selected programs, including towing, dental and manufactured housing. Lockton instead describes brokerage for global manufacturers, contractors, healthcare companies and other commercial clients. If your business fits one of AIG’s named programs, ask for that program’s actual class and terms; a broader Lockton discussion starts with designing a placement for your operation. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [7](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### Related casualty needs

The roles also change what you should request. AIG describes program administrator support from underwriting, claims and loss-control teams, while Lockton says it brokers risk with insurers and builds custom structures. Ask AIG which program administrator and policy form apply; ask Lockton which carriers and service team would handle your proposed placement. Neither overview supplies buyer-specific limits or exclusions. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [7](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### Coordinating related casualty lines

Lockton groups General Liability with product liability, environmental impairment, medical malpractice and umbrella or excess placements. AIG’s reviewed directory instead documents line participation in selected programs. If those other casualty lines matter, ask each contact whether they can coordinate them with the GL quote and identify the insurer for each policy. [7](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance")

## What to Confirm in General Liability Insurance Quotes

- Which AIG named program and administrator would cover your operation, and what GL limits, exclusions and endorsements would its form set?
- Which insurers would Lockton approach for GL and related casualty lines, and would one service team coordinate the placements?

## Offering Details

| Criteria | AIG General Liability Within Named Programs | Lockton General & Product Liability Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. [7](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: General & Product Liability page as read 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | Neither page names the insurers Lockton places general liability coverage with. [7](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [8](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Not publicly disclosed; scope: General & Product Liability and Casualty pages checked 2026-09-23..) |
| Who It’s For | AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. [7](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix..) |
| Coverage Features | The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | Lockton groups general liability brokerage with related casualty coverages it also places for the same clients: environmental impairment, medical malpractice, product recall and umbrella/excess liability, in addition to product liability itself. [7](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy..) |
| Limits and Retentions | No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | Confirm in your quote. |
| Risk Services | AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Lockton's casualty pages say clients keep the same dedicated service team throughout the placement process, which Lockton says helps it anticipate client needs and create accountability. [8](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Company-reported; scope: Casualty product page as read 2026-09-23..) |

## Full Comparison

- [AIG vs Lockton](https://spot.insure/compare/aig-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [AIG vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-lockton/cargo-transit)
- [AIG vs Lockton Commercial Property Insurance](https://spot.insure/compare/aig-vs-lockton/commercial-property)
- [AIG vs Lockton Crime Insurance](https://spot.insure/compare/aig-vs-lockton/crime)
- [AIG vs Lockton Cyber Insurance](https://spot.insure/compare/aig-vs-lockton/cyber)
- [AIG vs Lockton D&O Insurance](https://spot.insure/compare/aig-vs-lockton/directors-officers)
- [AIG vs Lockton Employee Health Benefits](https://spot.insure/compare/aig-vs-lockton/employee-health-benefits)
- [AIG vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-lockton/employment-practices)
- [AIG vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-lockton/fiduciary)
- [AIG vs Lockton Product Liability Insurance](https://spot.insure/compare/aig-vs-lockton/product-liability)
- [AIG vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-lockton/workers-compensation)
- [AIG vs Alliance Risk General Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/general-liability)
- [AIG vs Amelia Risk General Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/general-liability)
- [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability)
- [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability)
- [AIG vs Beazley General Liability Insurance](https://spot.insure/compare/aig-vs-beazley/general-liability)
- [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [AIG Programs Insurance](https://www.aig.com/home/risk-solutions/business/aig-programs). AIG; Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680.. Accessed 2026-09-30.

### Lockton

4. [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.
5. [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.
6. [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.
7. [US > General & Product Liability](https://global.lockton.com/us/en/products-services/general-product). Lockton; Tailored solutions intro; industries named (global manufacturer, business-to-business service provider, consumer products company, REIT, contractor, healthcare company); liability solutions list (environmental impairment, medical malpractice, global risk, product liability, professional liability/indemnity, product recall, umbrella liability and excess). Accessed 2026-09-23.
8. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.

### General Liability Insurance Guide

9. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.
11. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Lockton Reviews

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-lockton/general-liability.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)