---
title: "Embroker vs Lockton: Product Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-lockton/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-lockton"
provider-a: "embroker"
provider-b: "lockton"
coverage-line: "product-liability"
---

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

## Agent Guide

**What this page is:** Focused comparison of Embroker and Lockton for Product Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Product Liability Insurance questions about Embroker versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Embroker vs Lockton for Product Liability Insurance: how do they differ?
- Which is better for Product Liability Insurance, Embroker or Lockton?
- What does Embroker or Lockton publish about Product Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Product Liability Insurance. Providers: Embroker and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Embroker vs Lockton](https://spot.insure/compare/embroker-vs-lockton) — all coverage lines for this pair
- [Product Liability Insurance guide](https://spot.insure/coverage/product-liability) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 quotes product liability online in under 10 minutes but excludes recall costs; Lockton designs custom global placements and lists recall coverage.

## Embroker vs Lockton Product Liability Insurance Summary

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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## 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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### 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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### 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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [3](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")

## 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](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes")
- Ask Lockton which insurers it approached and whether a recall policy is included or separate. [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Compare deductibles, limits and retentions in the actual proposals. [1](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Ask both providers to identify the insurer and policy form before binding. [1](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance: Coverage & Quotes") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## Embroker vs Lockton Product Liability Insurance Compared

| 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. [1](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. [2](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. [1](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). [1](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. [2](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..) |
| 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. [1](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. [2](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..) |

## About Embroker and Lockton and Product Liability Insurance

- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability)

## Related Pages for Embroker vs Lockton Product Liability Insurance

- [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 can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check.
- [Embroker Product Liability Insurance](https://spot.insure/insurance-providers/embroker/product-liability)
- [Lockton Product Liability Insurance](https://spot.insure/insurance-providers/lockton/product-liability)

## Sources for Embroker vs Lockton Product Liability Insurance

### Sources About Embroker

1. [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.

### Sources About Lockton

2. [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.
3. [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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/embroker-vs-lockton/product-liability.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)