Coterie Insurance vs Lockton General Liability Insurance

Coterie sells general liability as a standalone policy that can also be purchased on a monthly or annual basis, or included in its Business Owner's Policy, and distributes it through agents and brokers using its digital quoting platform. ⁴Company-reported. GL page 'GL is available as a standalone policy or included in a Business Owners Policy' and 'monthly, or annual basis' statements.

Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. ⁸Company-reported. General & Product Liability page as read 2026-09-23.

The reviewed GL page does not name the issuing insurer for the standalone general liability policy. ⁴Not publicly disclosed. Page as read on 2026-09-23.

Neither page names the insurers Lockton places general liability coverage with. ^8,9Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23.

Coterie says GL is especially relevant for small businesses that interact face-to-face with customers, work on or at a third party's property, lease or own a premises, advertise, or are required by industry regulators to carry coverage, without stating an industry exclusion list on this page. ⁴Company-reported. GL page 'especially important for small businesses that' list.

Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. ⁸Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix.

Coterie's GL policy covers four categories: bodily injury, damage to others' property, personal injury (including slander and libel), and false or misleading advertising, paying for the injured party's costs and the insured's legal defense. ⁴Company-reported. GL page intro and 'How does general liability insurance work?' section.

Coterie says GL does not cover damage to the policyholder's own business or employees (that requires a BOP), or errors, omissions, and professional negligence (that requires Professional Liability Insurance). ⁴Company-reported. GL page 'What does General Liability insurance NOT cover?' FAQ.

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. ⁸Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.

Coterie's GL page says customers and clients commonly expect or require limits of $500,000, $1,000,000, or $2,000,000, framed as typical market expectations rather than a published Coterie limit schedule for the standalone GL product. ⁴Company-reported. GL page 'How much General Liability insurance do I need?' FAQ.

Not described in the reviewed sources.

The reviewed GL page does not describe risk-control or loss-prevention services specific to general liability; it directs businesses with coverage questions to Coterie's support team. ⁴Not found in reviewed sources. GL page 'Do all businesses need General Liability insurance?' FAQ, as read on 2026-09-23.

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. ⁹Company-reported. Casualty product page as read 2026-09-23.

You engage Coterie for GL coverage by finding an appointed agent through the page's 'Find an Agent' link; the page does not describe a direct-to-consumer purchase path. ⁴Company-reported. GL page calls to action.

Not described in the reviewed sources.