---
title: "Coverdash vs Lockton Product Liability Insurance"
description: "Coverdash brokers a digital product-liability purchase; Lockton brokers custom product-liability structures and companion recall for manufacturers."
canonical: "https://spot.insure/compare/coverdash-vs-lockton/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Coverdash vs Lockton Product Liability Insurance

Coverdash brokers a digital product-liability purchase; Lockton brokers custom product-liability structures and companion recall for manufacturers.

## Research Scope and Use

Use this comparison to evaluate Coverdash and Lockton for Product 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

Coverdash arranges product liability as a broker through a fully digital quote-to-purchase process for manufacturers, wholesalers, distributors and retailers. Lockton brokers product liability, designing custom structures with insurers across the global market, and lists product recall on the same General & Product Liability page. [3](https://www.coverdash.com/terms "Terms And Conditions") [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") [9](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## What Is Coverdash Insurance?

Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. [1](https://www.coverdash.com/faq "Frequently Asked Questions") [2](https://www.coverdash.com/about "About Us") [3](https://www.coverdash.com/terms "Terms And Conditions")

[Coverdash profile](https://spot.insure/insurance-providers/coverdash)

## 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. [6](https://global.lockton.com/us/en "Lockton United States") [7](https://global.lockton.com/us/en/technology "Technology") [8](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is Product Liability Insurance?

Product liability insurance addresses liability for injury or damage associated with a defective product that a business manufactures, wholesales, distributes or sells. [11](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [12](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [13](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [14](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Product Liability Insurance

### Digital Quote Versus Custom Market Structures

Coverdash and Lockton both broker product liability rather than underwriting it. Coverdash describes a fully digital quote-to-purchase process, with the option to add other coverages alongside it. Lockton lists product liability on its General & Product Liability page and designs custom structures with insurers across the global market. Neither Coverdash’s product page nor Lockton’s reviewed pages name the issuing insurer. [3](https://www.coverdash.com/terms "Terms And Conditions") [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") [9](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### Defect Types Versus Liability Plus Recall Placement

Coverdash describes manufacturing defects, design defects, failure to warn, and defense of groundless claims. Lockton lists product recall coverage alongside product liability, so a manufacturer client can have Lockton place both the liability program and a related recall program. [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") [9](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### Segments Named

Coverdash markets the line to manufacturers, wholesalers, distributors and retailers. Lockton says it serves global manufacturers, business-to-business service providers and consumer-products companies among others—the segments it calls most exposed to product liability—alongside REITs, contractors and healthcare companies. [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") [9](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## What to Confirm in Product Liability Insurance Quotes

- Ask Coverdash which carrier would issue the digital quote and for the limit, which the product page does not publish. [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance")
- Ask Lockton which markets it used and whether a recall program is quoted with the liability layer. [9](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Confirm whether Coverdash’s digital quote-to-purchase path or Lockton’s custom structure with global markets is what you are being offered. [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") [9](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## Offering Details

| Criteria | Coverdash Product Liability Insurance | Lockton General & Product Liability Insurance Brokerage |
| --- | --- | --- |
| 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. [3](https://www.coverdash.com/terms "Terms And Conditions") [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") (Evidence: Company-reported; scope: 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. [9](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 | The product liability page does not name the insurer that issues the policy. [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") (Evidence: Not publicly disclosed; scope: Reviewed product liability page as of 2026-09-23; the page describes coverage without naming a specific carrier..) | Neither page names the insurers Lockton places product liability coverage with. [9](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [10](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 | 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. [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") (Evidence: Company-reported; scope: 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. [9](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. 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. [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") (Evidence: Company-reported; scope: 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. [9](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 product liability page does not publish specific limit, retention or deductible amounts. [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") (Evidence: Not publicly disclosed; scope: Reviewed product liability page as of 2026-09-23; figures are quote-specific and not shown on the public product page..) | Not described in the reviewed sources. |
| How to Apply | Coverdash describes a fully digital quote-to-purchase process for product liability, with the option to add other coverages alongside it. [4](https://www.coverdash.com/coverage/products-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product-page company information and cross-sell section..) | Not described in the reviewed sources. |

## Full Comparison

- [Coverdash vs Lockton](https://spot.insure/compare/coverdash-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability insurance addresses injury or damage claims involving defective products your business makes, distributes or sells.
- [Coverdash vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/coverdash-vs-lockton/cargo-transit)
- [Coverdash vs Lockton Commercial Property Insurance](https://spot.insure/compare/coverdash-vs-lockton/commercial-property)
- [Coverdash vs Lockton Crime Insurance](https://spot.insure/compare/coverdash-vs-lockton/crime)
- [Coverdash vs Lockton Cyber Insurance](https://spot.insure/compare/coverdash-vs-lockton/cyber)
- [Coverdash vs Lockton D&O Insurance](https://spot.insure/compare/coverdash-vs-lockton/directors-officers)
- [Coverdash vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/coverdash-vs-lockton/employment-practices)
- [Coverdash vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/coverdash-vs-lockton/fiduciary)
- [Coverdash vs Lockton General Liability Insurance](https://spot.insure/compare/coverdash-vs-lockton/general-liability)
- [Coverdash vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/coverdash-vs-lockton/representations-warranties)
- [Coverdash vs Lockton Surety Bonds](https://spot.insure/compare/coverdash-vs-lockton/surety-bonds)
- [Coverdash vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/coverdash-vs-lockton/workers-compensation)
- [Alliance Risk vs Coverdash Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/product-liability)
- [Alliance Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/product-liability)
- [Amelia Risk vs Coverdash Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-coverdash/product-liability)
- [Amelia Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/product-liability)
- [Beazley vs Coverdash Product Liability Insurance](https://spot.insure/compare/beazley-vs-coverdash/product-liability)
- [Beazley vs Lockton Product Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/product-liability)

## Sources

### Coverdash

1. [Frequently Asked Questions](https://www.coverdash.com/faq). Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
2. [About Us](https://www.coverdash.com/about). Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
3. [Terms And Conditions](https://www.coverdash.com/terms). Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
4. [Product Liability Insurance](https://www.coverdash.com/coverage/products-liability). Coverdash; Product introduction; Types of Coverage cards for Manufacturing defects, Design defects, Failure to warn, Legal defense; Who It's For. Accessed 2026-09-23.
5. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty category listing Product Liability and Product Recall as separate catalog entries. Accessed 2026-09-23.

### Lockton

6. [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.
7. [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.
8. [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.
9. [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 including Product liability and Product recall. Accessed 2026-09-23.
10. [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. Accessed 2026-09-23.

### Product Liability Insurance Guide

11. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
12. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/facts-statistics-product-liability). Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
13. [Product liability, recall and contamination insurance](https://www.iii.org/article/product-liability-recall-and-contamination-insurance). Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
14. [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 Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. 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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- [Markdown page](https://spot.insure/compare/coverdash-vs-lockton/product-liability.md)
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- [Public page index](https://spot.insure/llms.txt)