Embroker vs 
Lockton General Liability Insurance
Lockton bundles general liability brokerage with related casualty lines for larger clients; Embroker sells one standalone policy online.
What Is Embroker?
Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. 1,2,3
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. 5,6,7
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. 10,11
Key Differences in General Liability Insurance
Consultants and Tradespeople Versus Global Manufacturers
Embroker markets general liability to any business that deals with people, has a physical location, or provides a product or service, including consultants, contractors and tradespeople. 4 Lockton's pitch names larger commercial clients instead: global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 8
A Single Policy Versus a Bundled Casualty Program
Embroker sells general liability as a standalone product with named insuring agreements for bodily injury, property damage, personal injury and product liability. 4 Lockton groups general liability brokerage together with related casualty coverages it places for the same clients, including environmental impairment, medical malpractice, product recall and umbrella or excess liability. 8
An Instant Quote Versus a Dedicated Service Team
Embroker says applicants can get an instant general liability quote online in a few minutes. 4 Lockton instead says clients keep the same dedicated service team throughout the placement process, with no online quote or purchase flow described on its pages. 9
What to Confirm in General Liability Insurance Quotes
- Confirm which company actually fits your business's size and risk profile, since Embroker's page targets a broad range of smaller operations and Lockton's examples are larger commercial and industrial clients. 4 8
- Ask Lockton how it structures the general liability program relative to the other casualty lines it bundles in. 8
- Get named insurers from both; neither reviewed page discloses one for general liability. 4 8
- Ask what the actual sales process looks like with Lockton, since its pages describe a service model rather than an online quote form. 9
- Ask for limit and retention figures from both; neither publishes them on its general liability pages. 4 8
Offering Details
Embroker vs Lockton General Liability Insurance: documented features by provider
| Criteria | Embroker Commercial General Liability Insurance | Lockton General & Product Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Embroker sells commercial general liability as a standalone line and offers to package it with other coverages such as cyber and workers' compensation. 4Company-reported. Product-page description; not a statement about the issuing insurer. | 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. |
| Issuing Insurer | Not described in the reviewed sources. | 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. |
| Who It’s For | Embroker markets the policy to any business that deals with or employs people, has a physical location with injury risk, or provides a product or service, including consultants, contractors and tradespeople. 4Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business. Embroker says general liability insurance is not required by law, but local governments often require it for a business license and most venues or office leases require proof of coverage. 4Company-reported. Product-page FAQ: Is General Liability insurance required by law? | 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. |
| Coverage Features | Embroker lists coverage for third-party bodily injury and property damage, personal injury claims such as libel or slander, product liability, and legal defense costs and settlements. 4Company-reported. Product-page coverage summary; the issued policy and declarations control. Embroker says the policy excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), employment practices claims, and property damage to the policyholder's own commercial property. 4Company-reported. Product-page What's not included section. | 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. |
| Limits and Retentions | The reviewed product page does not publish specific per-occurrence or aggregate limit options; it only says a higher coverage limit generally costs more. 4Not publicly disclosed. Product page as read on 2026-09-23. | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | 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. |
| How to Apply | Embroker says applicants can get an instant general liability quote online in a few minutes, with underwriting based on claims history and the type of products or services the business provides. 4Company-reported. Product-page FAQ: How do you apply for General Liability insurance?; no quote was requested during this research. | Not described in the reviewed sources. |
Full Comparison
More Embroker vs Lockton Comparisons
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Sources
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Commercial General Liability Insurance: Coverage & Quotes. Embroker; Why it's essential; Who needs this coverage; What is General Liability insurance?; What's covered; What's not included; FAQ: How do you apply for General Liability insurance?; Is General Liability insurance required by law? Accessed 2026-09-23.
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- 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.
- US 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.
- US > General & Product Liability. 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.
- Casualty Insurance. 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
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. 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.
