Embroker vs 
Lockton Product Liability Insurance
Embroker sells a digital standalone or GL/BOP product-liability option; Lockton brokers custom product-liability and companion recall structures globally.
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 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. 10,11,12,13
Key Differences in Product Liability Insurance
Platform Policy Versus Custom Market Structure
Embroker sells product liability as a standalone policy and says most companies instead add it as an endorsement to general liability or a BOP, with applicants choosing deductibles and limits in under 10 minutes on its digital platform. Lockton lists product liability on its General & Product Liability page and brokers it, designing custom structures with insurers across the global market rather than underwriting it. Lockton’s reviewed pages do not name those insurers. 4 8
Recall Treatment
Embroker says the product-liability policy excludes product recall costs, which need a separate endorsement or product recall policy. Lockton lists product recall coverage alongside product liability on the same page, so a manufacturer can have Lockton place both the liability program and a related recall-expense program. 4 8
Segments
Embroker markets the policy to businesses that manufacture, repair, distribute or sell products. Lockton says it serves global manufacturers, business-to-business service providers and consumer-products companies among others, alongside REITs, contractors and healthcare companies. 4 8
What You Can Read About Price
Embroker says pricing depends heavily on product risk category, company size, revenue and claims history, and does not publish standard policy limits. Lockton’s reviewed General & Product Liability and Casualty pages also do not publish limit figures for this line. 4 8 9
What to Confirm in Product Liability Insurance Quotes
- Ask Embroker whether the quote is standalone, a GL endorsement or a BOP bundle, and confirm recall remains excluded. 4
- Ask Lockton which markets it used and whether a recall program is quoted with the liability layer. 8
- Compare the deductibles you select on Embroker with Lockton’s proposed structure. 4 8
- If you are a global manufacturer, confirm whether Lockton’s custom structure or Embroker’s digital policy is what you are being offered. 8 4
Offering Details
Embroker vs Lockton Product Liability Insurance: documented features by provider
| Criteria | Embroker Product Liability Insurance | Lockton General & Product Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Embroker sells product liability as a standalone policy, and says most companies instead add it as an endorsement to a general liability policy or bundle it into a Business Owners Policy, with only larger companies typically buying an independent policy. 4Company-reported. Product-page description and 'Tips for Saving' section; not a statement about the issuing insurer. | 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. 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 product 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 businesses that manufacture, repair, distribute or sell products, saying manufacturers are most often held liable but sellers and repairers can also be named in claims. 4Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business. | 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. 8Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix. |
| Coverage Features | Embroker lists coverage for bodily injury, property damage, illness and wrongful death claims arising from design defects, manufacturing defects, or warning/labeling defects in a product. 4Company-reported. Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control. Embroker says the policy excludes employee injuries (covered by workers' compensation), third-party accidents on the policyholder's property (covered by general liability), product recall costs (which need a separate endorsement or product recall policy), and technology product claims (covered by tech E&O). 4Company-reported. Product-page What's Not Covered section, distinguishing product liability from general liability, product recall insurance and technology E&O. | 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. 8Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. |
| Limits and Retentions | Embroker says pricing depends heavily on product risk category (for example, pharmaceuticals or firearms cost more than lower-risk goods), company size and revenue, and claims history; it does not publish standard policy limits. 4Company-reported. Product-page 'How Much Does Product Liability Insurance Cost?' section. | Not described in the reviewed sources. |
| How to Apply | Embroker says applicants can get a product liability quote in under 10 minutes through its digital platform and choose their own deductibles and limits. 4Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research. | Not described in the reviewed sources. |
Full Comparison
More Embroker vs Lockton Comparisons
Other Product Liability Insurance Comparisons
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.
- Product Liability Insurance: Coverage & Quotes. Embroker; What Is Product Liability Insurance?; Who Is It For?; Product Liability vs. General Liability; What Does Product Liability Insurance Cover?; What's Not Covered?; How Much Does Product Liability Insurance Cost? 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 including Product liability and Product recall. Accessed 2026-09-23.
- Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation. Accessed 2026-09-23.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- 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.
- 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.
- Commercial Insurance Guide. 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.
