---
title: "CNA vs Lockton: General Liability Insurance"
description: "Lockton designs global-market casualty programs, while CNA describes GL solutions by company size."
canonical: "https://spot.insure/compare/cna-vs-lockton/general-liability"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-lockton"
provider-a: "cna"
provider-b: "lockton"
coverage-line: "general-liability"
---

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

## Agent Guide

**What this page is:** Focused comparison of CNA and Lockton for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for General Liability Insurance questions about CNA versus Lockton. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CNA vs Lockton for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, CNA or Lockton?
- What does CNA or Lockton publish about General Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for General Liability Insurance from CNA or Lockton?

**Key facts:**
- Line: General Liability Insurance. Providers: CNA and Lockton.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Lockton](https://spot.insure/compare/cna-vs-lockton) — parent: all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [CNA vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-lockton/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Commercial Property Insurance](https://spot.insure/compare/cna-vs-lockton/commercial-property) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Crime Insurance](https://spot.insure/compare/cna-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Cyber Insurance](https://spot.insure/compare/cna-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton D&O Insurance](https://spot.insure/compare/cna-vs-lockton/directors-officers) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Product Liability Insurance](https://spot.insure/compare/cna-vs-lockton/product-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Surety Bonds](https://spot.insure/compare/cna-vs-lockton/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [CNA vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton General Liability Insurance](https://spot.insure/compare/aig-vs-lockton/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Lockton General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Lockton General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/general-liability) — sibling comparison (other line, or other pair for this line)

# CNA vs Lockton: How Do They Compare for General Liability Insurance?

Lockton designs global-market casualty programs, while CNA describes GL solutions by company size.

## How to Use the CNA vs Lockton General Liability Insurance Comparison

Use this comparison to evaluate CNA 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.

## CNA vs Lockton General Liability Insurance Summary

Lockton brokers GL and says it designs custom program structures using insurers across the global market, naming manufacturers, B2B services, consumer products, REITs, contractors and healthcare among its clients. CNA identifies solutions across small, mid-sized and large companies. A multinational or complex risk can ask Lockton about market structure while comparing CNA’s segment-specific placement. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What Is Lockton?

Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. [5](https://global.lockton.com/us/en "Lockton United States") [6](https://global.lockton.com/us/en/technology "Technology") [7](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 can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## What Are the Key Differences Between CNA and Lockton General Liability Insurance?

### Eligibility and Buying Route

Lockton brokers GL and says it designs custom program structures using insurers across the global market, naming manufacturers, B2B services, consumer products, REITs, contractors and healthcare among its clients. CNA identifies solutions across small, mid-sized and large companies. [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") A multinational or complex risk can ask Lockton about market structure while comparing CNA’s segment-specific placement. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance")

### Casualty Lines and Client Service

Lockton groups GL with environmental impairment, medical malpractice, product recall and umbrella/excess placements and says clients retain a dedicated service team through placement. CNA describes industry-specific underwriting/risk-control support and claims professionals. [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [9](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") Buyers coordinating casualty lines should compare who services the whole program and which adjacent policies are included. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance")

## What Should You Confirm in CNA and Lockton General Liability Insurance Quotes?

- Ask Lockton which insurers and program structure it would use for your locations. [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

- Ask CNA which GL segment and related casualty lines fit your operation. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance")

- Ask Lockton to name the insurers and dedicated team behind the proposed casualty program. [9](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")

## CNA vs Lockton General Liability Insurance Compared

| Criteria | CNA Commercial General Liability | Lockton General & Product Liability Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. [8](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 | Confirm in your quote. | Neither page names the insurers Lockton places general liability coverage with. [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [9](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 | CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. [8](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 | CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [8](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..) |
| Risk Services | CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. [4](https://www.cna.com/products/general-liability "Commercial General Liability Insurance | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [9](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Company-reported; scope: Casualty product page as read 2026-09-23..) |

## Related Pages for CNA vs Lockton General Liability Insurance

- [CNA vs Lockton](https://spot.insure/compare/cna-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [CNA vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/cna-vs-lockton/cargo-transit)
- [CNA vs Lockton Commercial Property Insurance](https://spot.insure/compare/cna-vs-lockton/commercial-property)
- [CNA vs Lockton Crime Insurance](https://spot.insure/compare/cna-vs-lockton/crime)
- [CNA vs Lockton Cyber Insurance](https://spot.insure/compare/cna-vs-lockton/cyber)
- [CNA vs Lockton D&O Insurance](https://spot.insure/compare/cna-vs-lockton/directors-officers)
- [CNA vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-lockton/employment-practices)
- [CNA vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-lockton/fiduciary)
- [CNA vs Lockton Product Liability Insurance](https://spot.insure/compare/cna-vs-lockton/product-liability)
- [CNA vs Lockton Surety Bonds](https://spot.insure/compare/cna-vs-lockton/surety-bonds)
- [CNA vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-lockton/workers-compensation)
- [AIG vs CNA General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability)
- [AIG vs Lockton General Liability Insurance](https://spot.insure/compare/aig-vs-lockton/general-liability)
- [Alliance Risk vs CNA General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cna/general-liability)
- [Alliance Risk vs Lockton General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/general-liability)
- [Amelia Risk vs CNA General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cna/general-liability)
- [Amelia Risk vs Lockton General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/general-liability)

## Sources for CNA vs Lockton General Liability Insurance

### Sources About CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.
4. [Commercial General Liability Insurance | CNA Insurance](https://www.cna.com/products/general-liability). CNA; Commercial General Liability; customer sizes, coverage, teams. Accessed 2026-09-28.

### Sources About Lockton

5. [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.
6. [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.
7. [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.
8. [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.
9. [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.

### Sources for the General Liability Insurance Guide

10. [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.
11. [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.
12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

## Lockton Review Scores for 2026

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-lockton/general-liability.md)
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