Chubb vs 
Lockton: How Do They Compare for General Liability Insurance?
Lockton brokers GL with custom program structures and one dedicated service team for manufacturers, contractors, healthcare companies and REITs. Chubb packages GL for small businesses with up to $30 million in revenue, or pairs it with pollution cover in GL Plus.
Chubb’s package products fit small businesses with up to $30 million in revenue; Lockton builds custom general liability programs for global manufacturers, REITs and large enterprises. 1,5
What Are the Key Differences Between Chubb and Lockton General Liability Insurance?
Built for Small Businesses vs Complex Global Programs
Chubb lists more than 500 business classes and sells general liability through packages including BOP, Benchmarq, Customarq and GL Plus. 1 Lockton’s general liability offering is aimed at global manufacturers, B2B service providers, REITs, contractors and healthcare companies, with custom programs assembled from insurers across the global market. 5 Choose Chubb if your business has up to $30 million in revenue and fits its package classes; choose Lockton if you are a global manufacturer, REIT or other large commercial buyer that needs a custom program.
Packaged Products vs Custom Casualty Design
With Chubb, you select among its own packages; Lockton designs the program and can coordinate general liability with environmental impairment, medical malpractice and product recall coverage. 1 5
Risk and Claims Support
Chubb offers Risk Consulting and casualty claims services to package policyholders. 2 Lockton says clients keep a dedicated service team through the placement process. 6
What Should You Confirm in Chubb and Lockton General Liability Insurance Quotes?
- Confirm that your revenue and business class fit Chubb’s stated $30 million and 500-plus-class range. 1
- Ask Lockton which insurers it proposes for your program and who will handle claims. 5
- Request the available general liability limits from both; the reviewed pages do not publish standard limits. 1 5
- Ask whether Lockton prices related casualty coverages together with general liability or separately. 5
Chubb vs Lockton General Liability Insurance Compared
Chubb vs Lockton: General Liability Insurance: documented features by provider
| Criteria | Chubb General Liability Insurance | Lockton General & Product Liability Insurance Brokerage |
|---|---|---|
| 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. 1Company-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. 5Company-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. 2Company-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. 1Company-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. 5Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. |
| 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. 1,4Company-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. 5Company-reported. General & Product Liability page as read 2026-09-23. |
| 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. 2Company-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. 6Company-reported. Casualty product page as read 2026-09-23. |
