---
title: "Embroker vs Lockton"
description: "How Embroker’s proprietary programs and online application differ from Lockton’s unnamed-market technology brokerage."
canonical: "https://spot.insure/compare/embroker-vs-lockton"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Embroker", "Lockton"]
---

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

# Embroker vs Lockton

How Embroker’s proprietary programs and online application differ from Lockton’s unnamed-market technology brokerage.

## Research Scope and Use

Use this comparison to evaluate Embroker and Lockton against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Embroker combines commercial brokerage with named programs such as EMIS and excess Tech E&O/cyber, including Everspan as a named insurer on those products. Lockton is a privately held broker that markets cyber and D&O placement without publishing issuing-company names or a self-serve bind. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [2](https://www.embroker.com/terms/ "Terms And Conditions") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")



## Introduction

Embroker serves startups, technology and professional-services firms with both a brokerage relationship and proprietary products, including a management suite and an excess program that requires technology errors and omissions in the underlying policy. [1](https://www.embroker.com/ "Embroker") [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") Lockton’s technology and cyber pages describe specialist brokerage and insurer partnerships without naming those partners. [28](https://global.lockton.com/us/en/technology "Technology") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

A private technology company that wants one application for directors and officers (D&O) liability, employment practices and fiduciary, plus cyber, is comparing a **named Embroker program path** with **open-market brokerage**. Switching away from Embroker can affect access to proprietary products. [4](https://www.embroker.com/faq/ "Insurance FAQ")

## Documented Provider Strengths

### Embroker

- Its Management Insurance Suite brings several management coverages into one application, with technology E&O/cyber for eligible technology businesses. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.)
- Separate technology and law-firm packages group coverage around those businesses’ activities, subject to the offered policy terms. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; verified: 2026-09-15.)

### Lockton

- Lockton describes itself as a privately held independent broker for risk, employee benefits and retirement, not as the insurer on the policies it places. [27](https://global.lockton.com/us/en "Lockton United States") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [46](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)
- US pages list brokerage for cyber and privacy, directors and officers, casualty (including general and product liability, auto, cargo, umbrella and workers’ compensation), property, fiduciary liability and employee benefits. [28](https://global.lockton.com/us/en/technology "Technology") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [30](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [32](https://global.lockton.com/us/en/products-services/property "Property Insurance") [33](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [34](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [35](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Embroker | Lockton |
| --- | --- | --- |
| Business owner’s policy | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| Cargo and transit | Not listed | Listed [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Commercial auto | Listed [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") | Listed [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Commercial property | Listed [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") | Listed [32](https://global.lockton.com/us/en/products-services/property "Property Insurance") |
| Crime | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Cyber liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [28](https://global.lockton.com/us/en/technology "Technology") |
| Directors and officers | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [30](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [28](https://global.lockton.com/us/en/technology "Technology") |
| Employee health and benefits | Not listed | Listed [34](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") |
| Employment practices liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Fiduciary liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [35](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") |
| General liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Key person | Listed [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Management liability | Listed [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") | Not listed |
| Product liability | Listed [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") | Listed [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Professional liability / E&O | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Representations and warranties | Not listed | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Surety bonds | Listed [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") | Listed [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Technology errors and omissions | Listed [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") | Not listed |
| Umbrella and excess liability | Listed [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") | Listed [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Venture capital asset protection | Listed [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") | Not listed |
| Workers’ compensation | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [33](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Embroker and Lockton

### Named Insurer Versus Unnamed Markets

Embroker names Everspan Indemnity Insurance Company for EMIS and excess technology errors and omissions and cyber. That is a concrete issuer to diligence. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") Lockton’s Terms of Business refuse a duty to use any particular insurer. Comparing “Embroker cyber” to “Lockton cyber” without proposed forms is comparing a product wrapper to a placement service. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") Embroker’s excess program excludes cyber-only underlying policies. [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber")

### Starting and Leaving

Embroker documents an online start plus broker-assisted placement. Lockton’s public start is an inquiry. [1](https://www.embroker.com/ "Embroker") [38](https://global.lockton.com/us/en/contact-us "Contact Us") Embroker says leaving can remove servicing functions and that a new broker outside Access may be unable to renew proprietary products. Lockton’s terms say it is not responsible for programs placed by another broker. Plan continuity before treating EMIS as the long-term form. [4](https://www.embroker.com/faq/ "Insurance FAQ") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

### Compensation

Embroker discloses commissions and possible client fees. Lockton discloses commission, fee and contingent categories. Ask for an exhibit on the same lines. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

## What to Confirm in Quotes

- **Issuer and form** on EMIS or excess versus any Lockton proposal, including surplus-lines status. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")
- **Underlying technology errors and omissions** if you want Embroker’s named excess. [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber")
- **Renewal rights** if you later hire Lockton. [4](https://www.embroker.com/faq/ "Insurance FAQ")
- **Itemized compensation** on both sides. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")



## Service Comparison

Embroker vs Lockton: documented services and availability.

| Criteria | Embroker | Lockton |
| --- | --- | --- |
| Business role | Embroker Insurance Services LLC is the producer named in its public lawyers’ liability specimen. Florida’s corporate record lists Embroker, Inc. as the LLC’s authorized member. That identifies a corporate relationship, not the insurer on your policy. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Company-reported; scope: Exact producer name from specimen declarations, corroborated corporate identity in Florida. No claim to establish the full ownership chain, current capitalization or nationwide licensure.; verified: 2026-09-15.)<br><br>Embroker distributes proprietary programs through its own channel and through other brokers using Embroker Access. Its terms also allow it to perform underwriting work for insurers under their guidelines; the issuing insurer bears the policy obligations. [10](https://access.embroker.com/ "Embroker Access") [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product.; verified: 2026-09-15.)<br><br>The reviewed corporate record identifies Embroker, Inc. as an authorized member of the producer LLC; it does not establish Embroker, Inc.’s ultimate beneficial ownership. [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Not found in reviewed sources; scope: Scoped ownership research: official About history and Florida company record. No current controlling external parent established; funding/partnership is not ownership proof.; verified: 2026-09-15.) | Lockton’s US site describes the firm as an independent insurance brokerage that arranges customized risk, employee benefits and retirement solutions. US Terms of Business treat Lockton Companies, LLC and affiliated Lockton companies as intermediaries that market, place and service insurance, not as the risk-bearing insurer on a placed policy. [27](https://global.lockton.com/us/en "Lockton United States") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [46](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)<br><br>Public US terms name Lockton Companies, LLC (and Series, subsidiaries and affiliates) as the brokerage group and Lockton, Inc. as the website operator. Certificates produced by Lockton also use the California DBA Lockton Insurance Brokers, LLC. Confirm the legal name on any broker-of-record or services agreement; these pages do not by themselves establish which entity would be appointed for a California company. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [40](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [47](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.)<br><br>Lockton-produced certificates print California license number 0F15767 for Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC. Current license status, classes and expiration remain independently unverified. Treat California producer authority as unresolved until a regulator record or the proposed engagement papers are checked. [47](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [48](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; verified: 2026-09-16.) |
| Application process | The public quote-start screen asks for a company name and whether the company has a website. It links the terms and compensation disclosure before continuing. [26](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only Chrome observation of https://app.embroker.com/signup on 15 September 2026; no data entered, Continue not clicked, no account created.; verified: 2026-09-15.)<br><br>An account alone does not appoint Embroker as your broker. Using its brokerage service requires a broker- or agent-of-record designation and exclusive work with Embroker for those services unless otherwise agreed. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.; verified: 2026-09-15.)<br><br>An application may need additional underwriting information or be declined; a quote itself does not put insurance in force. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §13. No quote or binding transaction performed.; verified: 2026-09-15.) | Public US application starts as an inquiry: the US contact form (Ask an Expert) and industry pages invite buyers to connect with a team. The privacy notice refers to soliciting an insurance policy quote. The Cyber & Technology page publishes cyber@lockton.com. Reviewed pages do not describe a self-serve bind flow, published quote turnaround, or an unauthenticated online application that issues a policy without a Lockton representative. [38](https://global.lockton.com/us/en/contact-us "Contact Us") [27](https://global.lockton.com/us/en "Lockton United States") [41](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [40](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) |
| Access to insurers | Embroker names Everspan Indemnity Insurance Company as the insurer for EMIS and its excess Tech E&O/Cyber program. Its lawyers’ professional liability program names Everest National Insurance Company. These are product-specific relationships, not one carrier for the entire catalogue. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Current program marketing and LPL specimen; financial-strength ratings and admission status not independently checked, so no rating assigned here.; verified: 2026-09-15.) | Lockton says it is not obligated to use any particular insurer, is generally not authorized to bind insurers except in circumstances it says it will try to disclose, and does not guarantee placement on acceptable terms. Cyber pages refer to insurer partners without naming them. The workers’ compensation page claims access to more than 100 regional, global and program markets without listing those markets. Surplus-lines insurers may appear in a proposal when admitted markets cannot meet requested terms. Named issuing companies for a buyer’s policies were not disclosed on the reviewed pages. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [33](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.; verified: 2026-09-16.) |
| Servicing and renewals | EMIS replaces the two previous management-liability offerings for new customers. Embroker says existing policyholders can continue renewing their legacy products; switching to EMIS requires a new-business application. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: Launch announcement’s stated transition rules as of research date; not a renewal guarantee.; verified: 2026-09-15.)<br><br>The FAQ describes downloadable policies and certificates for accounts where Embroker is the broker of record. Custom certificate wording may require a policy endorsement first. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Other insurance services; payment/down-payment conditions apply to first-time certificate access. Not independently tested in an authenticated account.; verified: 2026-09-15.)<br><br>Renewals vary: some policies renew through the insurer, while others need a fresh application and underwriting. Embroker describes reviewing the proposal, accepting it and paying or arranging financing; the new policy’s effective date controls when the renewal begins. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Renewals. No automatic-renewal promise across all products and no tested service response time.; verified: 2026-09-15.)<br><br>If you move to another broker, Embroker says you lose account-based certificate issuance and policy-change functions. A replacement broker outside Embroker Access may also be unable to renew proprietary products. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Engaging Embroker, What happens if I leave Embroker in the future? Not a finding that existing insurance cancels automatically on a broker change.; verified: 2026-09-15.) | Casualty pages say the same dedicated service team stays with the client through the process. Technology pages describe a round-the-clock service model. Terms of Business cover day-to-day servicing, risk control, insurance renewal services, policy administration and the use of intermediaries (including Lockton affiliates) in servicing and placement. Property pages say the team that meets the client also negotiates with markets rather than a remote broking center. A public client-portal feature list was not established beyond a Lockton Portal login link on the US site. [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [28](https://global.lockton.com/us/en/technology "Technology") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [32](https://global.lockton.com/us/en/products-services/property "Property Insurance") [27](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) |
| Fees and compensation | Embroker’s software is free. Insurance services can generate insurer commissions, contingent compensation linked to business results, and supplemental commissions. Embroker may also negotiate client fees alongside or instead of commissions, approved before binding, usually in writing. [3](https://www.embroker.com/disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Compensation disclosure; no policy-specific rate or amount established. Free software does not mean free insurance or zero distribution compensation.; verified: 2026-09-15.)<br><br>Payment processors and premium-finance lenders can add their own charges. Ask for the total cost and installment terms separately from Embroker’s compensation. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §§2A and 22; no specific financing offer reviewed.; verified: 2026-09-15.) | US Terms of Business say Lockton may be paid insurer commissions (a percentage of premium), negotiated client fees in lieu of or in addition to commissions, additional compensation such as contingent or supplemental commissions, insurer service fees (including for some managing-general-agency or analytics work), compensation involving affiliate Lockton Re, LLC on reinsurance placements, and interest or premium-finance related income. Commissions are described as fully earned at inception unless law or insurer contracts say otherwise. The terms tell clients to ask their Lockton representative for account-specific compensation. No public fee schedule, commission percentages or typical startup pricing appears on the reviewed pages. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; verified: 2026-09-16.) |

## Related Reading

- [What Is Embroker?](https://spot.insure/insurance-providers/embroker)
- [What Is Lockton?](https://spot.insure/insurance-providers/lockton)

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- [Chubb vs Lockton](https://spot.insure/compare/chubb-vs-lockton)
- [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker)
- [Coalition vs Lockton](https://spot.insure/compare/coalition-vs-lockton)
- [Corgi vs Embroker](https://spot.insure/compare/corgi-vs-embroker)
- [Corgi vs Lockton](https://spot.insure/compare/corgi-vs-lockton)
- [Coterie Insurance vs Embroker](https://spot.insure/compare/coterie-vs-embroker)
- [Coterie vs Lockton](https://spot.insure/compare/coterie-vs-lockton)
- [Coverdash vs Embroker](https://spot.insure/compare/coverdash-vs-embroker)
- [Coverdash vs Lockton](https://spot.insure/compare/coverdash-vs-lockton)
- [Cowbell vs Embroker](https://spot.insure/compare/cowbell-vs-embroker)
- [Cowbell vs Lockton](https://spot.insure/compare/cowbell-vs-lockton)
- [Embroker vs Founder Shield](https://spot.insure/compare/embroker-vs-foundershield)
- [Embroker vs Gallagher](https://spot.insure/compare/embroker-vs-gallagher)
- [Embroker vs Harper](https://spot.insure/compare/embroker-vs-harper)
- [Embroker vs Heffernan](https://spot.insure/compare/embroker-vs-heffernan)
- [Embroker vs Hiscox](https://spot.insure/compare/embroker-vs-hiscox)
- [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international)
- [Embroker vs Kinro](https://spot.insure/compare/embroker-vs-kinro)
- [Embroker vs Layr](https://spot.insure/compare/embroker-vs-layr)
- [Embroker vs Marsh](https://spot.insure/compare/embroker-vs-marsh)
- [Embroker vs Mylo](https://spot.insure/compare/embroker-vs-mylo)
- [Embroker vs Newfront](https://spot.insure/compare/embroker-vs-newfront)
- [Embroker vs ERGO NEXT Insurance](https://spot.insure/compare/embroker-vs-next-insurance)
- [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-vs-pie-insurance)
- [Embroker vs Relm Insurance](https://spot.insure/compare/embroker-vs-relm)
- [Embroker vs Resilience](https://spot.insure/compare/embroker-vs-resilience)
- [Embroker vs RiskCube](https://spot.insure/compare/embroker-vs-riskcube)
- [Embroker vs Risklytics Insurance](https://spot.insure/compare/embroker-vs-risklytics)
- [Embroker vs StartupInsurance.ai](https://spot.insure/compare/embroker-vs-startupinsurance)
- [Embroker vs TechInsurance](https://spot.insure/compare/embroker-vs-techinsurance)
- [Embroker vs The Hartford](https://spot.insure/compare/embroker-vs-the-hartford)
- [Embroker vs Travelers Insurance](https://spot.insure/compare/embroker-vs-travelers)
- [Embroker vs USI](https://spot.insure/compare/embroker-vs-usi)
- [Embroker vs Vouch](https://spot.insure/compare/embroker-vs-vouch)
- [Embroker vs WithCoverage](https://spot.insure/compare/embroker-vs-withcoverage)
- [Founder Shield vs Lockton](https://spot.insure/compare/foundershield-vs-lockton)
- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton)
- [Harper vs Lockton](https://spot.insure/compare/harper-vs-lockton)
- [Heffernan vs Lockton](https://spot.insure/compare/heffernan-vs-lockton)
- [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton)
- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton)
- [Kinro vs Lockton](https://spot.insure/compare/kinro-vs-lockton)
- [Layr vs Lockton](https://spot.insure/compare/layr-vs-lockton)
- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh)
- [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo)
- [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront)
- [Lockton vs ERGO NEXT](https://spot.insure/compare/lockton-vs-next-insurance)
- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance)
- [Lockton vs Relm](https://spot.insure/compare/lockton-vs-relm)
- [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience)
- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube)
- [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics)
- [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance)
- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance)
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford)
- [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers)
- [Lockton vs USI](https://spot.insure/compare/lockton-vs-usi)
- [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch)
- [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage)

## Sources

### [Embroker Official Website](https://www.embroker.com/)

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. [Compensation Disclosure](https://www.embroker.com/disclosure/). Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15.
4. [Insurance FAQ](https://www.embroker.com/faq/). Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15.
5. [Published License List](https://www.embroker.com/licenses/). Embroker; AK–WY list, including DC; California 0K44291. Company list, not an independently checked national license register. Accessed 2026-09-15.
6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Query 0K44291 on 15 September 2026 returned “Captcha validation failed.” No individual license result obtained. Accessed 2026-09-15.
7. [Embroker Insurance Services LLC — Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC.). Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Corporate registration, not an insurance license. Accessed 2026-09-15.
8. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages; industry packages; invitation to seek other policies through Embroker. Accessed 2026-09-15.
9. [Embroker Launches EMIS](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; 19 August 2026 announcement; What’s changing; four coverages; legacy renewals versus new business; Availability; About Embroker names Everspan Indemnity Insurance Company. Accessed 2026-09-15.
10. [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.
11. [Tech E&O / Cyber — Broker Program](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; revenue and multifactor requirements; excluded industries; Coverage Highlights and software code infringement. Accessed 2026-09-15.
12. [Technology Errors And Omissions / Cyber](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15.
13. [Excess Tech E&O / Cyber](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/). Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote. Accessed 2026-09-15.
14. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; Everest National; coverage highlights and defense cost features. Accessed 2026-09-15.
15. [Everest Elevation Lawyers Professional Liability — Specimen](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf). Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15.
16. [Law Firm Insurance Package](https://www.embroker.com/law/). Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15.
17. [Insurance For Technology Companies](https://www.embroker.com/non-funded-tech-companies/). Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15.
18. [Embroker’s AI Coverage](https://www.embroker.com/blog/embroker-launches-ai-coverage/). Embroker; Article displays 26 May 2026 publication and 5 August 2025 endorsement effective date; What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Not the endorsement wording. Accessed 2026-09-15.
19. [Claims](https://www.embroker.com/claims/). Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15.
20. [Key Person Insurance](https://www.embroker.com/coverage/key-person-insurance/). Embroker; Opening offer of life insurance for an executive, founder or other critical employee with concierge service; public inquiry form (not submitted). Accessed 2026-09-15.
21. [Commercial Auto Insurance](https://www.embroker.com/coverage/commercial-auto-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a commercial auto quote. Educational coverage examples not adopted as policy promises. Accessed 2026-09-15.
22. [Commercial Property Insurance](https://www.embroker.com/coverage/commercial-property-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a property quote. Educational examples do not establish flood/earthquake or other entitlements. Accessed 2026-09-15.
23. [Surety Bonds](https://www.embroker.com/coverage/surety-bonds/). Embroker; Opening statement that Embroker helps obtain surety bonds; construction bond discussion. No insurer or specific bond terms established. Accessed 2026-09-15.
24. [Product Liability Insurance](https://www.embroker.com/coverage/product-liability-insurance/). Embroker; Product-specific Get a Quote; Why Get It With Embroker? customized product liability offering. Recall-related educational text not treated as a separate product-recall offering. Accessed 2026-09-15.
25. [Insurance For Venture Capital And Private Equity Firms](https://www.embroker.com/venture-capital-private-equity-firms/). Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service. Accessed 2026-09-15.
26. [Start An Embroker Quote](https://app.embroker.com/signup). Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue; viewed without entering information or advancing. Accessed 2026-09-15.

### [Lockton Official Website](https://global.lockton.com/us/en)

27. [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.
28. [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.
29. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16.
30. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16.
31. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers compensation; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team. Accessed 2026-09-16.
32. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery; no centralized broking centers claim. Accessed 2026-09-16.
33. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16.
34. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16.
35. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16.
36. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities list including D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person, and benefits design. Accessed 2026-09-16.
37. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16.
38. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16.
39. [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.
40. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16.
41. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16.
42. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16.
43. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16.
44. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16.
45. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16.
46. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16.
47. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16.
48. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry landing page; interactive lookup not completed with a returned license detail record in this research pass. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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- [Markdown page](https://spot.insure/compare/embroker-vs-lockton.md)
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