---
title: "Embroker vs Lockton Product Liability Insurance"
description: "Embroker sells a digital standalone or GL/BOP product-liability option; Lockton brokers custom product-liability and companion recall structures globally."
canonical: "https://spot.insure/compare/embroker-vs-lockton/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Embroker 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

Embroker sells product liability as a standalone policy most companies add to general liability or a BOP, with a digital quote it says takes under 10 minutes and recall listed as excluded. Lockton brokers product liability, designing custom structures with insurers, and lists product recall on the same General & Product Liability page. [4](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## 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](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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](https://global.lockton.com/us/en "Lockton United States") [6](https://global.lockton.com/us/en/technology "Technology") [7](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. [10](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [11](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [12](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## 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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### 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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### 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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### 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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [9](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")

## 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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes")
- Ask Lockton which markets it used and whether a recall program is quoted with the liability layer. [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Compare the deductibles you select on Embroker with Lockton’s proposed structure. [4](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- If you are a global manufacturer, confirm whether Lockton’s custom structure or Embroker’s digital policy is what you are being offered. [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [4](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes")

## Offering Details

| 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. [4](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [8](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 | Not described in the reviewed sources. | Neither page names the insurers Lockton places product liability coverage with. [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [9](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 | 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. [4](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [8](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 | 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. [4](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control..)<br><br>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). [4](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [8](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 | 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. [4](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: 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. [4](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'Why Get It With Embroker?' section; no quote was requested during this research..) | Not described in the reviewed sources. |

## Full Comparison

- [Embroker vs Lockton](https://spot.insure/compare/embroker-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.
- [Embroker vs Lockton Commercial Property Insurance](https://spot.insure/compare/embroker-vs-lockton/commercial-property)
- [Embroker vs Lockton Crime Insurance](https://spot.insure/compare/embroker-vs-lockton/crime)
- [Embroker vs Lockton Cyber Insurance](https://spot.insure/compare/embroker-vs-lockton/cyber)
- [Embroker vs Lockton D&O Insurance](https://spot.insure/compare/embroker-vs-lockton/directors-officers)
- [Embroker vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-lockton/employment-practices)
- [Embroker vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-lockton/fiduciary)
- [Embroker vs Lockton General Liability Insurance](https://spot.insure/compare/embroker-vs-lockton/general-liability)
- [Embroker vs Lockton Surety Bonds](https://spot.insure/compare/embroker-vs-lockton/surety-bonds)
- [Embroker vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-lockton/workers-compensation)
- [Alliance Risk vs Embroker Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/product-liability)
- [Alliance Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/product-liability)
- [Amelia Risk vs Embroker Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/product-liability)
- [Amelia Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/product-liability)
- [Beazley vs Embroker Product Liability Insurance](https://spot.insure/compare/beazley-vs-embroker/product-liability)
- [Beazley vs Lockton Product Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/product-liability)

## Sources

### Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). 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.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Product Liability Insurance: Coverage & Quotes](https://www.embroker.com/coverage/product-liability-insurance/). 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

5. [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.
6. [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.
7. [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.
8. [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.
9. [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

10. [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.
11. [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.
12. [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.
13. [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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