HUB International vs 
Lockton General Liability Insurance
Lockton names specific enterprise industries and bundles general liability with adjacent casualty lines, while HUB's page offers a shorter, more general overview.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 1,2,3
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. 5,6,7
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 10,11
Key Differences in General Liability Insurance
Naming an Industry Focus or Not
Lockton names the kinds of clients its general liability brokerage serves: global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 8 HUB's general liability page instead describes coverage scenarios without naming a comparable industry list.
HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. 4Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.
What Gets Bundled Alongside General Liability
Lockton groups its general liability brokerage with related casualty capabilities it places for the same clients, including environmental impairment, medical malpractice, product recall and umbrella/excess liability. 8 HUB's page instead links out to separate, unrelated products such as business interruption, D&O, EPL and workers' compensation insurance, without describing any bundled placement. 4
Describing a Service Team or Not
Lockton says clients keep the same dedicated service team throughout the placement process. 9 HUB's general liability page does not describe a comparable ongoing service model, focusing instead on directing prospects to contact a broker. 4
What to Confirm in General Liability Insurance Quotes
- Ask Lockton whether your business fits its named industry segments or falls outside its typical general liability appetite. 8
- Ask both brokers which insurer would ultimately underwrite your policy, since neither page names one. 4 8
- Confirm whether Lockton's dedicated service team includes claims advocacy for general liability specifically. 9
- Ask HUB what risk-control or safety services, if any, accompany a brokered general liability policy. 4
Offering Details
HUB International vs Lockton General Liability Insurance: documented features by provider
| Criteria | HUB International General Liability Insurance Brokerage | Lockton General & Product Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. 4Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer. | Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. 8Company-reported. General & Product Liability page as read 2026-09-23. |
| Issuing Insurer | The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. 4Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there. | Neither page names the insurers Lockton places general liability coverage with. 8,9Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23. |
| Who It’s For | Not described in the reviewed sources. | Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 8Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix. |
| Coverage Features | HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. 4Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers. | 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. 8Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. |
| Limits and Retentions | Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. 4Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. | Not described in the reviewed sources. |
| Risk Services | The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. 4Not found in reviewed sources. Checked the general liability product page on 2026-09-23. | 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. 9Company-reported. Casualty product page as read 2026-09-23. |
| How to Apply | HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. 4Company-reported. Product-page copy; no online quote or bind flow is described. | Not described in the reviewed sources. |
Full Comparison
More HUB International vs Lockton Comparisons
Other General Liability Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- General Liability Insurance Brokers. HUB International; What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action. Accessed 2026-09-23.
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.
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.
