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

Lockton, a broker, suits global manufacturers and consumer products companies that want custom structures, with recall cover placed alongside; Embroker suits a business that wants a product liability quote online.

Embroker offers online product-liability quotes in under 10 minutes as a standalone policy or a general-liability or BOP addition, but excludes recall costs. Lockton custom-structures liability for global manufacturers and consumer-products firms and lists product recall alongside the line. ^1,²

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

Choose by Speed, Scale and Recall Risk

Embroker says businesses can quote online in under 10 minutes and choose deductibles and limits. Lockton names global manufacturers, B2B service providers and consumer-products companies among its clients and designs custom structures with insurers worldwide. Choose Embroker if you want a fast digital quote for a product you manufacture, repair, distribute or sell; choose Lockton if you are a global manufacturer or consumer-products company seeking custom placement and recall coverage. ¹ ²

Check Product Recall Coverage

Embroker requires separate cover for product-recall costs, while Lockton can place recall beside liability. If a recall could create substantial expenses, compare the separate recall form and premium each broker proposes instead of assuming the liability policy pays those costs. ¹ ²

Compare Price Drivers and Structure

Embroker says pricing depends on product-risk category, company size, revenue and claims history, but does not publish standard limits. Lockton also does not publish sample limits in its reviewed pages. Compare proposed limits, deductibles and retentions for your product rather than the platform or placement description alone. ¹ ² ³

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

Ask Embroker whether the quote is standalone, a general-liability endorsement or a BOP addition, and confirm recall is excluded. ¹
Ask Lockton which insurers it approached and whether a recall policy is included or separate. ²
Compare deductibles, limits and retentions in the actual proposals. ¹ ²
Ask both providers to identify the insurer and policy form before binding. ¹ ²

Embroker vs Lockton Product Liability Insurance Compared

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

Criteria	Embroker Product Liability Insurance	Lockton General & Product Liability Insurance Brokerage
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. ¹Company-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. ²Company-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. ¹Company-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). ¹Company-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. ²Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.
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. ¹Company-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. ²Company-reported. General & Product Liability page as read 2026-09-23.

Criteria

Embroker Product Liability Insurance

Lockton General & Product Liability Insurance Brokerage

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. ¹Company-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. ²Company-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. ¹Company-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). ¹Company-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. ²Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.

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. ¹Company-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. ²Company-reported. General & Product Liability page as read 2026-09-23.