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

Harper is a broker that matches the policy to retailer or marketplace vendor contracts and shops one application; Lockton brokers custom structures for global manufacturers, business-to-business service providers and consumer-products companies.

Harper shops one application across insurers for makers, importers and sellers, matching limits and additional-insured terms to retailer or marketplace contracts. Lockton builds custom product-liability structures for global manufacturers and consumer-products companies and lists product recall beside the line. ^1,³

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

Meet a Contract Requirement or Build a Global Program

Harper serves makers, importers and sellers of physical products and matches additional-insured wording and limits to retailer or marketplace agreements. Lockton serves global manufacturers, B2B service providers and consumer-products businesses, using custom structures across global insurer markets. Choose Harper if your retailer contract specifies product-liability limits or additional-insured status; choose Lockton if you need a custom placement for a global manufacturing or consumer-products operation. ¹ ³

Ask Lockton About Product Recall

Lockton lists product recall alongside product liability, while Harper’s reviewed page focuses on liability and vendor-contract matching without describing a companion recall placement. If a product withdrawal could create significant costs, ask Lockton whether recall expenses are insured and whether it is a separate policy. ³ ¹

Compare Product-Class Shopping With Custom Structure

Harper shops one application across insurers that write the applicant’s product class. Lockton says it builds custom structures with insurers across the global market. Neither page names the issuing insurer, so use the actual proposal to compare limits, exclusions and how each insurer treats your product. ¹ ³

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

Give Harper the retailer agreement and ask for the required limits and additional-insured endorsement. ¹
Ask Lockton whether recall coverage is quoted with liability and which insurer issues each. ³
Compare insurer, product-class eligibility, limits and exclusions in the actual forms. ¹ ³
Ask Harper how sales volume and channel affect its product-class quote. ¹

Harper vs Lockton Product Liability Insurance Compared

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

Criteria	Harper Product Liability Insurance	Lockton General & Product Liability Insurance Brokerage
Who It’s For	Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they didn't manufacture the item. ¹Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure.	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. ³Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix.
Coverage Features	Harper describes the coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. ¹Company-reported. Product liability page's four coverage tiles (Injury claims, Property damage, Defense in depth, Vendor agreement compliance); the issued policy and its exclusions control actual scope.	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. ³Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.
Role in This Line	Harper places product liability coverage as a broker: it says a specialist reviews the business and approaches insurers on the client's behalf rather than underwriting the policy itself. ¹Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy.	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. ³Company-reported. General & Product Liability page as read 2026-09-23.