---
title: "Harper vs Lockton Product Liability Insurance"
description: "Harper shops one product-class application and matches marketplace contracts; Lockton designs custom structures and lists product recall beside liability."
canonical: "https://spot.insure/compare/harper-vs-lockton/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Harper vs Lockton Product Liability Insurance

Harper shops one product-class application and matches marketplace contracts; Lockton designs custom structures and lists product recall beside liability.

## Research Scope and Use

Use this comparison to evaluate Harper 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

Harper places product liability as a broker that shops one application across insurers for the applicant’s product class and matches retailer vendor agreements. Lockton brokers the line with custom structures across the global market and lists product recall coverage on the same General & Product Liability page. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## What Is Harper Insurance?

Harper is a commercial insurance brokerage for businesses with complex risks. Its specialists use AI tools to gather information, seek quotes from insurers and help customers manage coverage. [1](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [2](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves")

[Harper profile](https://spot.insure/insurance-providers/harper)

## 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

### Shopping a Product Class Versus Custom Global Structures

Harper says a specialist reviews the business and approaches insurers on the client’s behalf, with one application shopped across insurers that write the applicant’s product class. Lockton lists product liability on its General & Product Liability page and brokers it by designing custom structures with insurers across the global market. Neither page names the issuing insurer. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### Vendor Agreement Matching Versus Recall Placement

Harper says it will write the policy to match a retailer or marketplace vendor agreement, including additional-insured status and required limits. Lockton lists product recall coverage alongside product liability on the same page, so a manufacturer client can have Lockton place both the liability program and a related recall-expense program. Harper’s reviewed page does not describe a companion recall placement. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### Who Each Names as Typical Buyers

Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a claim even when they did not manufacture the item. Lockton says it serves global manufacturers, business-to-business service providers and consumer products companies among others, alongside REITs, contractors and healthcare companies. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## What to Confirm in Product Liability Insurance Quotes

- Ask Harper to map additional-insured and limit wording to a specific vendor contract. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance")
- Ask Lockton whether a product-recall program is quoted with the liability placement. [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Get the insurer name from both quotes; public pages do not disclose it. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") [8](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Ask Harper how product category, sales volume and sales channel were used in pricing, since figures are not on the public page. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance")

## Offering Details

| Criteria | Harper Product Liability Insurance | Lockton General & Product Liability Insurance Brokerage |
| --- | --- | --- |
| 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. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: 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. [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 | The reviewed product liability page does not name the insurer or insurers that would issue a given policy; Harper says it places the coverage with 'real insurers' generally rather than a named carrier for this line. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") [4](https://www.harperinsure.com/coverages "What We Cover") (Evidence: Not publicly disclosed; scope: Checked the product liability page and the coverage directory on 2026-09-23; neither names a carrier for this specific line..) | 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 | 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. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: 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. [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 | 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. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: 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. [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 | Harper names product category, sales volume and sales channel as what drives product liability pricing, but the reviewed page does not publish specific limit, retention or premium figures. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Not publicly disclosed; scope: Product liability FAQ 'What does it cost?'; figures are unavailable on this public page and would appear on a quote..) | Not described in the reviewed sources. |
| Risk Services | Harper says it will write the policy to match a retailer or marketplace vendor agreement, including additional-insured status and the specific limits those contracts require. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome..) | Not described in the reviewed sources. |
| How to Apply | You request a quote through Harper's online form or by phone; Harper says one application is then shopped across the insurers that write the applicant's product class. [3](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product liability page quote form and 'Why Harper' process steps..) | Not described in the reviewed sources. |

## Full Comparison

- [Harper vs Lockton](https://spot.insure/compare/harper-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.
- [Harper vs Lockton Commercial Property Insurance](https://spot.insure/compare/harper-vs-lockton/commercial-property)
- [Harper vs Lockton Cyber Insurance](https://spot.insure/compare/harper-vs-lockton/cyber)
- [Harper vs Lockton General Liability Insurance](https://spot.insure/compare/harper-vs-lockton/general-liability)
- [Harper vs Lockton Surety Bonds](https://spot.insure/compare/harper-vs-lockton/surety-bonds)
- [Harper vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/harper-vs-lockton/workers-compensation)
- [Alliance Risk vs Harper Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-harper/product-liability)
- [Alliance Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/product-liability)
- [Amelia Risk vs Harper Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-harper/product-liability)
- [Amelia Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/product-liability)
- [Beazley vs Harper Product Liability Insurance](https://spot.insure/compare/beazley-vs-harper/product-liability)
- [Beazley vs Lockton Product Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/product-liability)

## Sources

### Harper

1. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
2. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
3. [Product Liability Insurance](https://www.harperinsure.com/coverages/product-liability). Harper; Know your coverage: What is Product Liability insurance?; Injury claims, Property damage, Defense in depth, Vendor agreement compliance; Why Harper (specialist, market access, recommendation, same-day certificates); FAQs on importers/distributors/retailers and pricing drivers. Accessed 2026-09-23.
4. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory list including Product Liability; intake selector categories. 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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