Amelia Risk vs Lockton: How Do They Compare for Product Liability Insurance?

Lockton, a broker, designs custom product liability structures for global manufacturers and consumer-products companies and lists recall cover alongside; Amelia Risk, also a broker, reads policies and negotiates terms for food, beverage and cosmetic brands before purchase.

Lockton serves global manufacturers and other complex businesses with custom product-liability structures; Amelia Risk focuses on CPG and consumer-product firms and shops multiple insurers. ^3,⁴

What Are the Key Differences Between Amelia Risk and Lockton Product Liability Insurance?

Global Programs Versus CPG Focus

If your products cross borders or your company needs a custom program, Lockton designs structures with insurers across the global market and serves manufacturers, B2B service providers, REITs, contractors and healthcare companies. Amelia Risk gathers information from CPG and consumer-product clients, then approaches multiple insurers and reviews quotes with them. ³ ⁴

Recall Placement

Lockton lists product recall coverage alongside product liability on the same page so a manufacturer can have both programs placed there. Amelia Risk also says product liability and product recall are separate policies that can both respond to a contaminated-product event. Amelia Risk additionally says it reads policies and negotiates terms and will advocate during claims; Lockton’s reviewed pages do not describe that reading-and-advocacy step. ¹ ³ ⁴

What Should You Confirm in Amelia Risk and Lockton Product Liability Insurance Quotes?

Ask Lockton whether a global structure is needed for your manufacturing footprint. ⁴
Ask Amelia Risk which insurers it would approach for your CPG products and whether recall is quoted. ³
Confirm whether Lockton would place recall on the same program. ⁴
Get territorial scope and issuing paper on both quotes. ⁵ ²

Amelia Risk vs Lockton Product Liability Insurance Compared

Amelia Risk vs Lockton: Product Liability Insurance: documented features by provider

Criteria	Product Liability	Lockton General & Product Liability Insurance Brokerage
Who It’s For	Amelia Risk lists product liability as a policy to consider for its CPG (food, beverage and cosmetic) and consumer-product clients, describing the product itself as the client's main source of exposure. ^1,²Company-reported. CPG and Consumer Products specialty pages' "policies to consider" lists; a marketed topic for those segments, not a stated underwriting eligibility rule.	Lockton says it serves global manufacturers, business-to-business service providers and consumer products companies among others on this page — the segments most exposed to product liability risk — alongside REITs, contractors and healthcare companies. ⁴Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix.
Coverage Features	Amelia Risk describes product liability as protection against claims of bodily injury or property damage caused by the client's covered products. ¹Company-reported. CPG page's product liability paragraph; a general explanation of the coverage type, not a specimen policy form or specific insurer's wording. Appears only on specialty pages, not a dedicated product-liability page. Amelia Risk says product liability and product recall are separate policies that can both respond to the same contaminated-product event: product liability covers third-party bodily-injury or property-damage claims, while product recall pays the costs of pulling the product from the market. ¹Company-reported. CPG page FAQ 2, "Is product recall covered under product liability?" A general distinction between coverage types, not policy-specific wording.	Lockton lists product recall coverage alongside product liability on the same page, meaning a manufacturer client can have Lockton place both the liability program and a related recall-expense program. ⁴Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.
Role in This Line	Amelia Risk arranges product liability coverage as a brokerage, placing the policy with an insurer rather than underwriting it itself; no product-liability-specific product page names an issuing insurer. ³Company-reported. General brokerage process from the Specialties page, applied here because product liability has no dedicated product page on the site.	Lockton lists product liability on its General & Product Liability page and brokers it rather than underwriting it, designing custom structures with insurers across the global market. ⁴Company-reported. General & Product Liability page as read 2026-09-23.

Criteria

Product Liability

Lockton General & Product Liability Insurance Brokerage

Who It’s For

Amelia Risk lists product liability as a policy to consider for its CPG (food, beverage and cosmetic) and consumer-product clients, describing the product itself as the client's main source of exposure. ^1,²Company-reported. CPG and Consumer Products specialty pages' "policies to consider" lists; a marketed topic for those segments, not a stated underwriting eligibility rule.

Lockton says it serves global manufacturers, business-to-business service providers and consumer products companies among others on this page — the segments most exposed to product liability risk — alongside REITs, contractors and healthcare companies. ⁴Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix.

Coverage Features

Amelia Risk describes product liability as protection against claims of bodily injury or property damage caused by the client's covered products. ¹Company-reported. CPG page's product liability paragraph; a general explanation of the coverage type, not a specimen policy form or specific insurer's wording. Appears only on specialty pages, not a dedicated product-liability page.

Amelia Risk says product liability and product recall are separate policies that can both respond to the same contaminated-product event: product liability covers third-party bodily-injury or property-damage claims, while product recall pays the costs of pulling the product from the market. ¹Company-reported. CPG page FAQ 2, "Is product recall covered under product liability?" A general distinction between coverage types, not policy-specific wording.

Lockton lists product recall coverage alongside product liability on the same page, meaning a manufacturer client can have Lockton place both the liability program and a related recall-expense program. ⁴Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.

Role in This Line

Amelia Risk arranges product liability coverage as a brokerage, placing the policy with an insurer rather than underwriting it itself; no product-liability-specific product page names an issuing insurer. ³Company-reported. General brokerage process from the Specialties page, applied here because product liability has no dedicated product page on the site.

Lockton lists product liability on its General & Product Liability page and brokers it rather than underwriting it, designing custom structures with insurers across the global market. ⁴Company-reported. General & Product Liability page as read 2026-09-23.