---
title: "Chubb vs Lockton General Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-lockton/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Chubb 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

Chubb targets small businesses with up to $30 million in revenue through its package products, while Lockton designs custom general liability program structures for global manufacturers, REITs and large enterprise clients using insurers across the global market. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [10](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## 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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## 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](https://global.lockton.com/us/en "Lockton United States") [8](https://global.lockton.com/us/en/technology "Technology") [9](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 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](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### 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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [10](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### Service Model

Chubb offers Chubb Risk Consulting and casualty claims services to policyholders of its package products. [5](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") 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](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")

## 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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Ask Lockton which insurers it's proposing across the global market for your specific program. [10](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Get published limits from both companies, since neither discloses specific general liability limits in the reviewed pages. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Ask whether Lockton's related casualty lines (environmental, product recall, umbrella) are priced together with general liability or separately. [10](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## Offering Details

| 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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [10](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 | Not described in the reviewed sources. | Neither page names the insurers Lockton places general liability coverage with. [10](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [11](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 | 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [10](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 | 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. [5](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") (Evidence: Company-reported; scope: Environmental Insurance product page describing GL Plus; targeted at businesses with pollution exposure alongside standard GL exposure..)<br><br>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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [10](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 | The reviewed pages do not publish specific general liability limits, sublimits or deductibles. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") (Evidence: Not found in reviewed sources; scope: 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. [5](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") (Evidence: Company-reported; scope: 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. [11](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: BOP product page call-to-action for business owners and for agents and brokers..) | Not described in the reviewed sources. |

## Full Comparison

- [Chubb vs Lockton](https://spot.insure/compare/chubb-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability insurance helps with covered claims for injuries to other people, damage to their property and specified advertising offenses.
- [Chubb vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-lockton/cargo-transit)
- [Chubb vs Lockton Commercial Property Insurance](https://spot.insure/compare/chubb-vs-lockton/commercial-property)
- [Chubb vs Lockton Crime Insurance](https://spot.insure/compare/chubb-vs-lockton/crime)
- [Chubb vs Lockton Cyber Insurance](https://spot.insure/compare/chubb-vs-lockton/cyber)
- [Chubb vs Lockton D&O Insurance](https://spot.insure/compare/chubb-vs-lockton/directors-officers)
- [Chubb vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-lockton/employment-practices)
- [Chubb vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-lockton/fiduciary)
- [Chubb vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-lockton/representations-warranties)
- [Chubb vs Lockton Surety Bonds](https://spot.insure/compare/chubb-vs-lockton/surety-bonds)
- [Chubb vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-lockton/workers-compensation)
- [Alliance Risk vs Chubb General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/general-liability)
- [Alliance Risk vs Lockton General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/general-liability)
- [Amelia Risk vs Chubb General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/general-liability)
- [Amelia Risk vs Lockton General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/general-liability)
- [Beazley vs Chubb General Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/general-liability)
- [Beazley vs Lockton General Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/general-liability)

## Sources

### Chubb

1. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as package options that include general liability. Accessed 2026-09-23.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). 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.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). 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.
4. [Business Owner's Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Coverage Highlights: property and liability package; Total Account Solution add-ons. Accessed 2026-09-23.
5. [Environmental Insurance Coverage & Services](https://www.chubb.com/us-en/business-insurance/environmental.html). Chubb; Chubb GL Plus: combines Commercial General Liability, affirmative Products Pollution, and scalable Premises Pollution Liability with supported Umbrella coverage. Accessed 2026-09-23.
6. [Umbrella & Excess Casualty Insurance](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html). 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

7. [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.
8. [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.
9. [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.
10. [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.
11. [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

12. [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.
13. [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.

Updated 2026-09-23. 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.

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