Chubb vs 
Lockton General Liability Insurance
Chubb packages general liability for small businesses up to $30 million in revenue, while Lockton brokers custom casualty programs for global manufacturers and large enterprise clients.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
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. 7,8,9
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 12,13
Key Differences in General Liability Insurance
Different Scales of Business
Chubb's package products that include general liability target small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail and manufacturing. 4Company-reported. BOP eligibility criteria; restates the fact for the general-liability component of the package.
Lockton is built for a larger scale: it says it has a general liability solution for global manufacturers, business-to-business service providers, REITs, contractors and healthcare companies, using insurers across the global market rather than one underwriter. 10
Underwriting vs. Custom Program Design
Chubb underwrites its package products directly, so a buyer chooses among Chubb's own offerings — BOP, Benchmarq, Customarq or GL Plus. 4 Lockton doesn't underwrite at all; it designs custom program structures for commercial clients and groups general liability brokerage with related casualty coverages, including environmental impairment, medical malpractice and product recall, placed with insurers Lockton selects across the global market. 10 10
Service Model
Chubb offers Chubb Risk Consulting and casualty claims services to policyholders of its package products. 5 Lockton instead emphasizes continuity: it says clients keep the same dedicated service team throughout the placement process, which it says helps anticipate client needs and create accountability, a different kind of service commitment than Chubb's named consulting and claims offerings. 11
What to Confirm in General Liability Insurance Quotes
- Confirm whether your business's revenue and class fit inside Chubb's stated $30 million and 500-plus business class range. 4
- Ask Lockton which insurers it's proposing across the global market for your specific program. 10
- Get published limits from both companies, since neither discloses specific general liability limits in the reviewed pages. 4
- Ask whether Lockton's related casualty lines (environmental, product recall, umbrella) are priced together with general liability or separately. 10
Offering Details
Chubb vs Lockton General Liability Insurance: documented features by provider
| Criteria | Chubb General Liability Insurance | Lockton General & Product Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Chubb does not sell general liability as a standalone monoline product on its public pages. It is packaged inside Chubb's BOP, Benchmarq and Customarq commercial package policies, or combined with pollution coverage in the GL Plus product. 4,1Company-reported. BOP and technology-industry pages; a business seeking liability-only coverage should confirm whether Chubb will quote it outside a package. | Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. 10Company-reported. General & Product Liability page as read 2026-09-23. |
| Issuing Insurer | Not described in the reviewed sources. | Neither page names the insurers Lockton places general liability coverage with. 10,11Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23. |
| Who It’s For | Chubb's package products that include general liability target small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail and manufacturing. 4Company-reported. BOP eligibility criteria; restates the fact for the general-liability component of the package. | Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 10Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix. |
| Coverage Features | Chubb's GL Plus product combines commercial general liability with affirmative products pollution liability and scalable premises pollution liability, and can be paired with umbrella coverage. 5Company-reported. Environmental Insurance product page describing GL Plus; targeted at businesses with pollution exposure alongside standard GL exposure. Within Chubb's BOP, general liability is bundled with property coverage and optional enhancements such as employment practices liability, foreign liability, equipment breakdown and crime coverage. 4Company-reported. BOP coverage-highlights list; enhancement availability depends on the issued policy and state. | 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. 10Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. |
| Limits and Retentions | The reviewed pages do not publish specific general liability limits, sublimits or deductibles. 4,5Not found in reviewed sources. BOP, GL Plus and umbrella pages as read on 2026-09-23. | Not described in the reviewed sources. |
| Risk Services | Chubb Risk Consulting is available to GL Plus and package policyholders, and Chubb says it offers casualty claims services for negligence and misconduct claims. 5Company-reported. Environmental page Risk Consulting and Casualty Claims sections; not exclusive to general liability. | 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. 11Company-reported. Casualty product page as read 2026-09-23. |
| How to Apply | You can request a quote online for a Chubb package that includes general liability, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. 4Company-reported. BOP product page call-to-action for business owners and for agents and brokers. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs Lockton Comparisons
Other General Liability Insurance Comparisons
Sources
Chubb
- Insurance for Technology Companies. Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as package options that include general liability. Accessed 2026-09-23.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Business Owner's Policy (BOP) Insurance. Chubb; Chubb BOP Coverage Highlights: property and liability package; Total Account Solution add-ons. Accessed 2026-09-23.
- Environmental Insurance Coverage & Services. Chubb; Chubb GL Plus: combines Commercial General Liability, affirmative Products Pollution, and scalable Premises Pollution Liability with supported Umbrella coverage. Accessed 2026-09-23.
- Umbrella & Excess Casualty Insurance. Chubb; Insights article link: "What is commercial general liability insurance? Learn more about CGL insurance and how to protect your business.". Accessed 2026-09-23.
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- 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.
- US 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.
- US > General & Product Liability. 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.
- Casualty Insurance. 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
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. 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.
