Foxquilt vs 
Lockton: How Do They Compare for General Liability Insurance?
What Is Foxquilt?
Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. 1,2
What Is Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 3,4,5
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 8,9,10
Key Differences in General Liability Insurance
Complex Commercial Programs and Class Scope
Lockton’s stated general-liability audience includes global manufacturers, B2B service providers, consumer-products companies, REITs, contractors, and healthcare firms. Foxquilt identifies contractors, eCommerce, and personal services among potential classes and says other trades depend on the quote. A multinational or complex operation may want Lockton to design a custom structure; a smaller trade buyer should still confirm that Foxquilt’s selected market accepts its precise work. 6 1
Service Team and Insurer
Lockton describes a dedicated service team through placement for its casualty clients. Foxquilt provides a quote path. Ask each route to identify the service contact and issuing insurer on the specific proposal. For a company needing a tailored program, ask Lockton how its team approaches limits and policy structure, then verify the insurer and service contacts on the resulting documents. 7 6 1
What to Confirm in General Liability Insurance Quotes
Foxquilt and Lockton Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Foxquilt Review Score
Review Score
3 rated sources
Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.[12][5][6]
Read Foxquilt reviewsLockton Review Score
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsFoxquilt vs Lockton General Liability Insurance Compared
Foxquilt vs Lockton: General Liability Insurance: documented features by provider
| Criteria | Foxquilt Commercial General Liability | Lockton General & Product Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Foxquilt identifies Commercial General Liability as one of its core business products. 1Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. 6Company-reported. General & Product Liability page as read 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | Neither page names the insurers Lockton places general liability coverage with. 6,7Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23. |
| Who It’s For | The page names contractors, eCommerce and personal services among target classes and says it writes CGL for additional trades; a buyer’s eligibility still depends on its quote. 1Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 6Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix. |
| Coverage Features | The page describes third-party bodily injury, property damage, personal and advertising injury, and products-completed-operations claim examples. 1Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Lockton groups general liability brokerage with related casualty coverages it also places for the same clients: environmental impairment, medical malpractice, product recall and umbrella/excess liability, in addition to product liability itself. 6Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 1Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | Confirm in your quote. |
| Risk Services | Confirm in your quote. | Lockton's casualty pages say clients keep the same dedicated service team throughout the placement process, which Lockton says helps it anticipate client needs and create accountability. 7Company-reported. Casualty product page as read 2026-09-23. |
| How to Apply | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. 1Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Confirm in your quote. |
Related Pages for Foxquilt vs Lockton General Liability Insurance
General Liability Insurance Pages for Foxquilt and Lockton
Other Coverage Lines Compared for Foxquilt vs Lockton
Other General Liability Insurance Provider Comparisons
Sources for Foxquilt vs Lockton General Liability Insurance
Sources About Foxquilt
- Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
Sources About 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 (environmental impairment, medical malpractice, global risk, product liability, professional liability/indemnity, product recall, umbrella liability and excess). Accessed 2026-09-23.
- Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.
Sources for the General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
