Amelia Risk vs Lockton Product Liability Insurance

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. ²Company-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. ⁹Company-reported. General & Product Liability page as read 2026-09-23.

Not described in the reviewed sources.

Neither page names the insurers Lockton places product liability coverage with. ^9,10Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23.

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. ^4,5Company-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. ⁹Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix.

Amelia Risk describes product liability as protection against claims of bodily injury or property damage caused by the client's covered products. ⁴Company-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. ⁴Company-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. ⁹Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.

Amelia Risk says it reads the policies it offers clients and negotiates coverage terms and pricing before a client buys, as part of its general placement process; no product-liability-specific risk-control service was described. ²Company-reported. Specialties page's process description; applies to the firm's placement practice generally, not a product-liability-specific service.

Not described in the reviewed sources.

Amelia Risk's stated process for arranging coverage, including product liability, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. ²Company-reported. Specialties page's four numbered steps; describes the firm's general placement workflow, not a product-liability-specific application form.

Not described in the reviewed sources.

Amelia Risk says it will advocate for a client's needs during claims, as one of the things clients can expect when working with the firm; no product-liability-specific claims process was described on any reviewed page. ²Company-reported. Specialties page's process list, a general claims-advocacy statement covering all lines the firm places.

Not described in the reviewed sources.