Coverdash vs Lockton: How Do They Compare for Product Liability Insurance?

For manufacturers, wholesalers and retailers, Coverdash is a broker with a fully digital process; Lockton, also a broker, designs custom structures with insurers for global manufacturers and consumer products companies.

Coverdash provides digital product-liability purchasing for manufacturers, wholesalers, distributors and retailers. Lockton builds custom placements for global manufacturers and consumer-products companies and lists product recall alongside liability. ^2,^1,⁴

What Are the Key Differences Between Coverdash and Lockton Product Liability Insurance?

Choose a Digital Purchase or Custom Global Placement

Coverdash describes digital quote-to-purchase for manufacturers, wholesalers, distributors and retailers. Lockton serves global manufacturers, B2B service providers and consumer-products companies with custom structures across global insurer markets. Choose Coverdash if you want to complete a product-liability purchase digitally; choose Lockton if you need a custom placement for a global manufacturing or consumer-products operation. ² ¹ ⁴

Ask About Product Recall Alongside Liability

Lockton lists product recall coverage beside product liability. Coverdash describes manufacturing defects, design defects, failure to warn and defense of groundless claims, and lists product recall separately in its coverage catalogue. Ask whether the recall quote is separate and what expenses it covers. ⁴ ¹ ³

Compare Policy Forms and Limits

Coverdash describes the product-liability claims its policy addresses; Lockton describes custom placement but does not provide sample limits on the reviewed page. Neither provider identifies the issuing insurer for a specific quote. Compare the carrier, limits and exclusions in each proposal. ¹ ⁴

What Should You Confirm in Coverdash and Lockton Product Liability Insurance Quotes?

Ask Coverdash which carrier issues the policy and whether recall coverage is separate. ¹ ³
Ask Lockton which markets it approached and whether product recall is included with liability. ⁴
Compare defect wording, limits, exclusions and retentions in the actual forms. ¹ ⁴
Request the named insurer for each placement before binding. ¹ ⁴

Coverdash vs Lockton Product Liability Insurance Compared

Coverdash vs Lockton: Product Liability Insurance: documented features by provider

Criteria	Coverdash Product Liability Insurance	Lockton General & Product Liability Insurance Brokerage
Who It’s For	Coverdash markets product liability to manufacturers, wholesalers, distributors and retailers, noting that resellers who did not make a product can still be held liable when it causes harm. ¹Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.	Lockton says it serves global manufacturers, business-to-business service providers and consumer products companies among others on this page — the segments most exposed to product liability risk — alongside REITs, contractors and healthcare companies. ⁴Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix.
Coverage Features	Coverdash describes product liability as covering claims that a product was flawed when made, that its design made it unsafe, or that it lacked adequate safety warnings, and pays legal defense costs even for a groundless claim. ¹Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.	Lockton lists product recall coverage alongside product liability on the same page, meaning a manufacturer client can have Lockton place both the liability program and a related recall-expense program. ⁴Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.
Role in This Line	Coverdash arranges product liability coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^2,¹Company-reported. General brokerage terms applied to the product liability page; not specific to any one carrier or state.	Lockton lists product liability on its General & Product Liability page and brokers it rather than underwriting it, designing custom structures with insurers across the global market. ⁴Company-reported. General & Product Liability page as read 2026-09-23.