Hiscox vs 
Lockton: How Do They Compare for General Liability Insurance?
Lockton brokers custom GL program structures with one dedicated service team; Hiscox sells GL directly online to small businesses in 49 states and Washington, D.C.
Hiscox sells general liability online to small businesses; Lockton designs custom casualty programs for global manufacturers, REITs and healthcare organizations. 3,2,5
What Are the Key Differences Between Hiscox and Lockton General Liability Insurance?
Scale of Client Each Names
Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 5Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix.
Hiscox's stated audience sits at the opposite end from Lockton's: a small business applying directly online in one of 49 states or D.C., rather than a large enterprise with a custom-designed program. 1
A Named Underwriter vs. a Custom-Built Program
Hiscox names the entity behind its policy: its appetite guide points to Hiscox Insurance Company Inc. as the underwriter of admitted Hiscox NOW general liability policies. 3 Lockton doesn't name a comparable underwriter; it says it designs custom program structures using insurers across the global market instead of selling one standard policy. 5
Buying Directly vs. Building a Program
Hiscox issues the policy by email as soon as an eligible online application is complete. 1 Lockton's process looks nothing like a self-service bind; its casualty pages say clients keep the same dedicated service team throughout the placement process. 6
What Comes Bundled With the Line
Hiscox's general-liability page adds an electronic-data-liability provision for IT professions on top of its standard coverage. 1 Lockton groups its general liability brokerage with different companion lines instead: environmental impairment, medical malpractice, product recall and umbrella or excess liability. 5
What Should You Confirm in Hiscox and Lockton General Liability Insurance Quotes?
- Confirm Hiscox's online eligibility for your state before assuming you can buy directly. 1
- Ask Lockton which insurers it's approaching for your specific program and how the structure is customized. 5
- Confirm whether your business fits Hiscox's small-business online catalogue or Lockton's enterprise-scale programs. 1 5
- Ask Lockton whether adjacent casualty lines it bundles in change the general liability terms specifically. 5
Hiscox vs Lockton General Liability Insurance Compared
Hiscox vs Lockton: General Liability Insurance: documented features by provider
| Criteria | Hiscox General Liability Insurance | Lockton General & Product Liability Insurance Brokerage |
|---|---|---|
| Who It’s For | Hiscox says it is currently licensed to sell general liability online in 49 states and the District of Columbia, with coverage unavailable in Alaska; it directs buyers in states where it does not sell online to a specialist broker instead. 1Company-reported. Company-stated jurisdiction for the online small-business catalogue; specific class or industry eligibility still depends on underwriting. | Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 5Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix. |
| Coverage Features | Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. 1Company-reported. Product-page description; specific wording, limits and exclusions are set by the issued policy and declarations. | 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. 5Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. |
| Role in This Line | Hiscox Inc., a Delaware-based licensed insurance intermediary, sells general liability directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. 2,1Company-reported. Company-stated online small-business channel; broker-only sections of the Hiscox site are a separate, licensed-professional path not covered here. | Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. 5Company-reported. General & Product Liability page as read 2026-09-23. |
