---
title: "HUB International vs Lockton: Product Liability Insurance"
description: "HUB can structure product liability with recall, crisis-response and other casualty services, and assesses limits and retentions. Lockton builds custom structures across global markets for manufacturers and consumer-products companies, with recall listed alongside liability."
canonical: "https://spot.insure/compare/hub-international-vs-lockton/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-lockton"
provider-a: "hub-international"
provider-b: "lockton"
coverage-line: "product-liability"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Lockton for Product Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Product Liability Insurance questions about HUB International versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Lockton for Product Liability Insurance: how do they differ?
- Which is better for Product Liability Insurance, HUB International or Lockton?
- What does HUB International or Lockton publish about Product Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Product Liability Insurance. Providers: HUB International and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) — all coverage lines for this pair
- [Product Liability Insurance guide](https://spot.insure/coverage/product-liability) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# HUB International vs Lockton: How Do They Compare for Product Liability Insurance?

Both are brokers. HUB International cites expertise in manufacturing, construction and healthcare and assessments that set how much risk you keep; Lockton names global manufacturers, business-to-business providers and consumer products companies, with recall cover alongside.

HUB combines product liability with casualty and crisis options; Lockton builds custom global placements and lists product recall for manufacturers.

## HUB International vs Lockton Product Liability Insurance Summary

HUB can structure product liability with recall, crisis-response and other casualty services, and assesses limits and retentions. Lockton builds custom structures across global markets for manufacturers and consumer-products companies, with recall listed alongside liability. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## What Are the Key Differences Between HUB International and Lockton Product Liability Insurance?

### Build a Broader Casualty Program or Custom Global Placement

HUB’s casualty services include general and product liability, recall, crisis response, sexual-misconduct liability, active-assailant protection and Violent Acts Liability. Lockton names global manufacturers, B2B service providers and consumer-products companies for product liability and builds custom structures with insurers worldwide. Choose HUB if you need product liability coordinated with other casualty or crisis lines; choose Lockton if you are a global manufacturer or consumer-products company seeking a custom placement with recall also considered. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### Ask How Product Recall Fits

Both providers list product recall alongside product liability. HUB also describes crisis-response and violent-event coverages, while Lockton focuses on custom liability and recall structures. Ask whether recall coverage shares limits with liability or uses a separate policy, and what triggers an eligible claim. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

### Set Limits and Retentions for Your Industry

HUB says its casualty team assesses retentions, structures and limits and names transportation, construction, healthcare, hospitality, manufacturing and real estate among its sectors. Lockton identifies global manufacturers, B2B service providers and consumer-products firms but does not publish example limits on the reviewed page. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## What Should You Confirm in HUB International and Lockton Product Liability Insurance Quotes?

- Ask HUB which recall, crisis and violent-event lines are included or separately quoted. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Ask Lockton whether liability and recall share a structure or insurer. [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Request HUB’s recommended retention and limits for your industry. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Get the issuing insurer, exclusions and policy wording from both placements. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [2](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")

## HUB International vs Lockton Product Liability Insurance Compared

| Criteria | HUB International General & Product Liability Insurance Brokerage | Lockton General & Product Liability Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty product page industry-expertise description; not an underwriting appetite statement..) | 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. [2](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 | HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim..)<br><br>HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement..) | 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. [2](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..) |
| Role in This Line | HUB brokers general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. [1](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer..) | 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. [2](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..) |

## About HUB International and Lockton and Product Liability Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability)

## Related Pages for HUB International vs Lockton Product Liability

- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check.
- [HUB International Product Liability Insurance](https://spot.insure/insurance-providers/hub-international/product-liability)
- [Lockton Product Liability Insurance](https://spot.insure/insurance-providers/lockton/product-liability)

## Sources for HUB International vs Lockton Product Liability Insurance

### Sources About HUB International

1. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General & Product Liability section: scope of protection for premises/operations, products, contractual liability, catastrophes and violent events; complementary casualty coverages (product recall, crisis response, SML, active assailant, Violent Acts Liability); risk-financing and strategic casualty approach; vertical industry expertise; carrier relationships. Accessed 2026-09-23.

### Sources About Lockton

2. [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.
3. [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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-lockton/product-liability.md)
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- [OpenAPI description](https://spot.insure/openapi.json)
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