---
title: "Layr vs Lockton"
description: "Why Layr’s broker-branded workflow software is not a consumer alternative to hiring Lockton as retail broker."
canonical: "https://spot.insure/compare/layr-vs-lockton"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Layr", "Lockton"]
---

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

# Layr vs Lockton

Why Layr’s broker-branded workflow software is not a consumer alternative to hiring Lockton as retail broker.

## Research Scope and Use

Use this comparison to evaluate Layr and Lockton against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Layr sells insurance workflow software and licensed support to independent brokerages, so a business owner sees the local broker’s brand. Lockton is itself a retail and consulting broker that clients appoint. The two are complements in the market, not two storefronts for the same buyer. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [1](https://withlayr.com/ "Grow Your Broker Profits") [15](https://global.lockton.com/us/en "Lockton United States") [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")



## Introduction

Layr’s customer is an independent brokerage that wants to keep broker-of-record status and commissions while Layr runs small-commercial sales and service behind a white-labeled portal. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [1](https://withlayr.com/ "Grow Your Broker Profits") Lockton’s customer is the organization buying insurance; Lockton Companies, LLC and affiliates act as the intermediary in U.S. Terms of Business. [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

A founder who typed both names into a search engine is often mixing a **software vendor to agencies** with a **retail broker**. If your local agent’s back office uses Layr, you are choosing that agent’s service stack, not “Layr instead of Lockton.” [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [26](https://global.lockton.com/us/en/contact-us "Contact Us")

## Documented Provider Strengths

### Layr

- Independent brokerages can combine workflow software and licensed support for small-commercial accounts under their own brand. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [3](https://withlayr.com/company/insurance-technology "The Team Improving Insurance Technology") [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") (Evidence: Company-reported; scope: Current broker-facing business model described on Layr's live company, broker and portal pages; functions are company-reported and were not tested through an account.; verified: 2026-09-15.)
- Layr describes a broker-branded portal for policy documents, certificates, claims, renewals and payments, supported by licensed staff. [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [12](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html "Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers") (Evidence: Company-reported; scope: Company-described platform functions. No authenticated broker or policyholder account was accessed, and no service-time commitment was independently tested.; verified: 2026-09-15.)

### Lockton

- Lockton describes itself as a privately held independent broker for risk, employee benefits and retirement, not as the insurer on the policies it places. [15](https://global.lockton.com/us/en "Lockton United States") [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [34](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)
- US pages list brokerage for cyber and privacy, directors and officers, casualty (including general and product liability, auto, cargo, umbrella and workers’ compensation), property, fiduciary liability and employee benefits. [16](https://global.lockton.com/us/en/technology "Technology") [17](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [18](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [19](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [20](https://global.lockton.com/us/en/products-services/property "Property Insurance") [21](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [22](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [23](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [24](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Layr | Lockton |
| --- | --- | --- |
| Cargo and transit | Not listed | Listed [19](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Commercial auto | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") | Listed [19](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Commercial property | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") | Listed [20](https://global.lockton.com/us/en/products-services/property "Property Insurance") |
| Crime | Not listed | Listed [24](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Cyber liability | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") [7](https://withlayr.com/cyber-liability-insurance/ "Cyber Liability Insurance") | Listed [17](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [16](https://global.lockton.com/us/en/technology "Technology") |
| Directors and officers | Not listed | Listed [18](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [16](https://global.lockton.com/us/en/technology "Technology") |
| Employee health and benefits | Not listed | Listed [22](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") |
| Employment practices liability | Not listed | Listed [24](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Fiduciary liability | Not listed | Listed [23](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") |
| General liability | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") | Listed [19](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Key person | Not listed | Listed [24](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Product liability | Not listed | Listed [19](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Professional liability / E&O | Not listed | Listed [24](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Representations and warranties | Not listed | Listed [24](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Surety bonds | Not listed | Listed [24](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Umbrella and excess liability | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") | Listed [19](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Workers’ compensation | Listed [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") | Listed [21](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [19](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Layr and Lockton

### Who the Contract Is With

Layr Holdings, Inc. operates the platform; the participating brokerage remains broker of record on Layr’s description. Complaints, surplus-lines signatures and certificates follow that brokerage’s licenses. A Lockton engagement is with a Lockton company named on the services agreement. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

### What “Apply Online” Means

Layr describes a small-business owner selecting coverage and paying, with the submission then going to underwriting. Lockton’s published U.S. contact is an expert inquiry, not that consumer checkout. [1](https://withlayr.com/ "Grow Your Broker Profits") [26](https://global.lockton.com/us/en/contact-us "Contact Us")

### Who Gets Paid

Layr says it takes a percentage of premium while the brokerage keeps commissions, and it discloses a possible finance fee on monthly card plans. Lockton may take insurer commissions or client fees itself. Those models are not two quotes to the same buyer unless you are the brokerage evaluating Layr. [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

## What to Confirm in Quotes

- **Legal producer name** on the policy if you arrived through a Layr-powered agency versus a Lockton agreement. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")
- **Issuing insurer**, which Layr’s published materials do not name. [1](https://withlayr.com/ "Grow Your Broker Profits") [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")
- **Finance fees** on Layr monthly billing versus any Lockton premium-finance income disclosed in terms. [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")



## Service Comparison

Layr vs Lockton: documented services and availability.

| Criteria | Layr | Lockton |
| --- | --- | --- |
| Business role | Layr Holdings, Inc. operates withlayr.com and markets the Layr Apex platform and licensed support service. Public materials describe Layr handling sales, service and support while its brokerage customer keeps the broker-of-record relationship; they do not identify Layr as the insurer underwriting every policy. [9](https://withlayr.com/terms-of-use "Terms of Use") [1](https://withlayr.com/ "Grow Your Broker Profits") [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") (Evidence: Company-reported; scope: Entity and functional roles in current public materials. The precise producer role can depend on the partner arrangement and proposed policy.; verified: 2026-09-15.)<br><br>The reviewed sources identify Layr Holdings, Inc., its leaders and several investors, but do not disclose a current controlling parent or ownership percentages. [9](https://withlayr.com/terms-of-use "Terms of Use") [10](https://withlayr.com/company/leadership-team "Leadership Team") [12](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html "Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers") (Evidence: Not found in reviewed sources; scope: Current website operator and public ownership review. Investor participation is not treated as control, and no independence claim is made.; verified: 2026-09-15.)<br><br>Layr says a participating brokerage can offload small-business sales, service and support to Layr while retaining broker-of-record status and 100% of its commissions. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [6](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") (Evidence: Company-reported; scope: Broker-facing Layr Apex arrangement as marketed publicly; actual allocation of duties and compensation depends on the brokerage agreement.; verified: 2026-09-15.) | Lockton’s US site describes the firm as an independent insurance brokerage that arranges customized risk, employee benefits and retirement solutions. US Terms of Business treat Lockton Companies, LLC and affiliated Lockton companies as intermediaries that market, place and service insurance, not as the risk-bearing insurer on a placed policy. [15](https://global.lockton.com/us/en "Lockton United States") [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [34](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)<br><br>Public US terms name Lockton Companies, LLC (and Series, subsidiaries and affiliates) as the brokerage group and Lockton, Inc. as the website operator. Certificates produced by Lockton also use the California DBA Lockton Insurance Brokers, LLC. Confirm the legal name on any broker-of-record or services agreement; these pages do not by themselves establish which entity would be appointed for a California company. [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [28](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [35](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.)<br><br>Lockton-produced certificates print California license number 0F15767 for Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC. Current license status, classes and expiration remain independently unverified. Treat California producer authority as unresolved until a regulator record or the proposed engagement papers are checked. [35](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [36](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; verified: 2026-09-16.) |
| Customer focus | Layr provides insurance workflow software and licensed support for independent brokerages serving small-commercial accounts. Policyholders use a broker-branded experience rather than necessarily buying from a storefront carrying the Layr name. [2](https://withlayr.com/whos-with-layr/brokers-agents "Software for Insurance Brokers & Agents") [3](https://withlayr.com/company/insurance-technology "The Team Improving Insurance Technology") [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") (Evidence: Company-reported; scope: Current broker-facing business model described on Layr's live company, broker and portal pages; functions are company-reported and were not tested through an account.; verified: 2026-09-15.) | Lockton markets to organizations seeking risk, benefits and retirement brokerage. Its US technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Separate pages address private-equity firms, including portfolio-company programs. The reviewed pages do not publish a minimum company size, funding stage or revenue floor for technology clients. [15](https://global.lockton.com/us/en "Lockton United States") [16](https://global.lockton.com/us/en/technology "Technology") [24](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: US technology, homepage and private-equity service pages. Presence of a technology practice is not an eligibility guarantee for a bootstrapped or early-stage startup.; verified: 2026-09-16.) |
| Application process | Layr describes an online workflow in which a small-business owner assesses and selects coverage, pays, and then has the submission sent to underwriting. Current pages use different speed claims—10 minutes on New Business Capture and 12 minutes in a 2024 announcement—so neither figure establishes the time to receive or bind an actual quote. [4](https://withlayr.com/platform/insurance-quote "New Business Capture from Layr — Quote Policies in 10 Min") [11](https://withlayr.com/resources/blog/layr-welcomes-new-ceo-mark-hara "Layr Welcomes New CEO Mark Hara") (Evidence: Conflicting sources; scope: Company-described digital workflow. No form was completed and no quote, payment or underwriting decision was requested during research.; verified: 2026-09-15.) | Public US application starts as an inquiry: the US contact form (Ask an Expert) and industry pages invite buyers to connect with a team. The privacy notice refers to soliciting an insurance policy quote. The Cyber & Technology page publishes cyber@lockton.com. Reviewed pages do not describe a self-serve bind flow, published quote turnaround, or an unauthenticated online application that issues a policy without a Lockton representative. [26](https://global.lockton.com/us/en/contact-us "Contact Us") [15](https://global.lockton.com/us/en "Lockton United States") [29](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [17](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [28](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) |
| Servicing and renewals | Layr markets a white-labeled portal with licensed support and broker dashboard updates for policies, renewals, claims and payments. A company release also describes policyholder access to documents, quotes, claims, certificates, bills and electronic payments. [5](https://withlayr.com/platform/secure-portal "Online Portal with Cyber Security for Insurance Companies") [12](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html "Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers") (Evidence: Company-reported; scope: Company-described platform functions. No authenticated broker or policyholder account was accessed, and no service-time commitment was independently tested.; verified: 2026-09-15.)<br><br>Layr says its team gathers updates, negotiates renewal terms with underwriters and finalizes renewal documents. It describes automatic-renewal policies as hands-free and says customers whose policies need updated information are alerted 60 days before renewal. [6](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") (Evidence: Company-reported; scope: Current FAQ description. It does not state the notice needed to stop an automatic renewal or guarantee a renewal offer.; verified: 2026-09-15.) | Casualty pages say the same dedicated service team stays with the client through the process. Technology pages describe a round-the-clock service model. Terms of Business cover day-to-day servicing, risk control, insurance renewal services, policy administration and the use of intermediaries (including Lockton affiliates) in servicing and placement. Property pages say the team that meets the client also negotiates with markets rather than a remote broking center. A public client-portal feature list was not established beyond a Lockton Portal login link on the US site. [19](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [16](https://global.lockton.com/us/en/technology "Technology") [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [20](https://global.lockton.com/us/en/products-services/property "Property Insurance") [15](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) |
| Fees and compensation | Layr's current broker FAQ says Layr receives a percentage of premium while the brokerage keeps 100% of commissions. A separate consumer-facing disclosure says carriers pay Layr a commission and businesses may pay a finance fee of up to 20% of premium. The pages do not reconcile which arrangement applies to a particular broker, policyholder or payment plan. [6](https://withlayr.com/faq "Insurance Technology Frequently Asked Questions") [8](https://withlayr.com/compensation-disclosure "Explanation of Pricing") (Evidence: Conflicting sources; scope: Two public compensation descriptions for different apparent audiences. Actual agreements and itemized charges were not available.; verified: 2026-09-15.)<br><br>Layr's consumer-facing compensation disclosure says a business that uses its monthly credit-card payment arrangement can pay a percentage-based finance fee of up to 20% of premium. The page does not provide an account-specific rate, total repayment or cancellation terms. [8](https://withlayr.com/compensation-disclosure "Explanation of Pricing") (Evidence: Company-reported; scope: Public compensation disclosure; current applicability to every Layr Apex implementation or payment option is not established.; verified: 2026-09-15.) | US Terms of Business say Lockton may be paid insurer commissions (a percentage of premium), negotiated client fees in lieu of or in addition to commissions, additional compensation such as contingent or supplemental commissions, insurer service fees (including for some managing-general-agency or analytics work), compensation involving affiliate Lockton Re, LLC on reinsurance placements, and interest or premium-finance related income. Commissions are described as fully earned at inception unless law or insurer contracts say otherwise. The terms tell clients to ask their Lockton representative for account-specific compensation. No public fee schedule, commission percentages or typical startup pricing appears on the reviewed pages. [27](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; verified: 2026-09-16.) |

## Related Reading

- [What Is Layr?](https://spot.insure/insurance-providers/layr)
- [What Is Lockton?](https://spot.insure/insurance-providers/lockton)

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- [Layr vs Marsh](https://spot.insure/compare/layr-vs-marsh)
- [Layr vs Mylo](https://spot.insure/compare/layr-vs-mylo)
- [Layr vs Newfront](https://spot.insure/compare/layr-vs-newfront)
- [Layr vs ERGO NEXT Insurance](https://spot.insure/compare/layr-vs-next-insurance)
- [Layr vs Pie Insurance](https://spot.insure/compare/layr-vs-pie-insurance)
- [Layr vs Relm Insurance](https://spot.insure/compare/layr-vs-relm)
- [Layr vs Resilience](https://spot.insure/compare/layr-vs-resilience)
- [Layr vs RiskCube](https://spot.insure/compare/layr-vs-riskcube)
- [Layr vs Risklytics Insurance](https://spot.insure/compare/layr-vs-risklytics)
- [Layr vs StartupInsurance.ai](https://spot.insure/compare/layr-vs-startupinsurance)
- [Layr vs TechInsurance](https://spot.insure/compare/layr-vs-techinsurance)
- [Layr vs The Hartford](https://spot.insure/compare/layr-vs-the-hartford)
- [Layr vs Travelers Insurance](https://spot.insure/compare/layr-vs-travelers)
- [Layr vs USI](https://spot.insure/compare/layr-vs-usi)
- [Layr vs Vouch](https://spot.insure/compare/layr-vs-vouch)
- [Layr vs WithCoverage](https://spot.insure/compare/layr-vs-withcoverage)
- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh)
- [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo)
- [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront)
- [Lockton vs ERGO NEXT](https://spot.insure/compare/lockton-vs-next-insurance)
- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance)
- [Lockton vs Relm](https://spot.insure/compare/lockton-vs-relm)
- [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience)
- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube)
- [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics)
- [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance)
- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance)
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford)
- [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers)
- [Lockton vs USI](https://spot.insure/compare/lockton-vs-usi)
- [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch)
- [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage)

## Sources

### [Layr Official Website](https://withlayr.com/)

1. [Grow Your Broker Profits](https://withlayr.com/). Layr; Homepage service proposition; broker audience; footer naming Layr Holdings, Inc.; official logo asset. Accessed 2026-09-15.
2. [Software for Insurance Brokers & Agents](https://withlayr.com/whos-with-layr/brokers-agents). Layr; Streamlined Efficiency; Reduce the Drag: Layr handles sales, service and support while the brokerage retains broker-of-record status and commissions. Accessed 2026-09-15.
3. [The Team Improving Insurance Technology](https://withlayr.com/company/insurance-technology). Layr; Mission; small-business market; broker-focused technology; leadership and investor logos. Accessed 2026-09-15.
4. [New Business Capture from Layr — Quote Policies in 10 Min](https://withlayr.com/platform/insurance-quote). Layr; Faster Quotes hero and official SmartQuote illustration listing General Liability, Commercial Auto Liability, Property, Workers Compensation, Umbrella, and Cyber Liability & Data Breach. Accessed 2026-09-15.
5. [Online Portal with Cyber Security for Insurance Companies](https://withlayr.com/platform/secure-portal). Layr; Layr Apex introduction; licensed support team; policyholder activity, portfolio and white-label dashboard descriptions; official dashboard asset. Accessed 2026-09-15.
6. [Insurance Technology Frequently Asked Questions](https://withlayr.com/faq). Layr; Product library; carrier and wholesaler access; renewal process and 60-day collection timing; white labeling; premium-based compensation. Accessed 2026-09-15.
7. [Cyber Liability Insurance](https://withlayr.com/cyber-liability-insurance/). Layr; Previously reviewed: Policy Overview; Key Protected Threats; Coverage Details; online-purchase call to action. Direct re-access on 15 September 2026 returned HTTP 404; historical descriptions do not establish current product terms. Accessed 2026-09-15.
8. [Explanation of Pricing](https://withlayr.com/compensation-disclosure). Layr; Simplified Pricing: carrier commissions and business finance fee up to 20% of premium; flexible payments, portal and certificate descriptions. Accessed 2026-09-15.
9. [Terms of Use](https://withlayr.com/terms-of-use). Layr; Service operated by Layr Holdings, Inc.; Purchases; Availability, Errors and Inaccuracies; Accounts; last updated 1 April 2018. Accessed 2026-09-15.
10. [Leadership Team](https://withlayr.com/company/leadership-team). Layr; Current leadership and investor-logo section; no controlling parent or ownership percentages disclosed. Accessed 2026-09-15.
11. [Layr Welcomes New CEO Mark Hara](https://withlayr.com/resources/blog/layr-welcomes-new-ceo-mark-hara). Layr; 17 October 2024 announcement: broker and agency audience, small-business selection and payment workflow, underwriting handoff, and brokerages across the U.S.. Accessed 2026-09-15.
12. [Layr Secures $10 Million Investment to Bridge the Small Business Insurance Tech Gap for Brokers](https://www.globenewswire.com/news-release/2023/11/01/2770846/0/en/layr-secures-10-million-investment-to-bridge-the-small-business-insurance-tech-gap-for-brokers.html). Layr via GlobeNewswire; 1 November 2023 company release: financing participants, broker-facing business model, licensed support, policyholder portal functions. Accessed 2026-09-15.
13. [Parcel Pro Customers Now Have Access to Additional Insurance Solutions Through Layr](https://parcelproreferral.partner.withlayr.com/). Layr; 2021-branded referral page: policy list, online application, portal, financing and certificate claims. Earlier research found mostly broken product links; a later direct check on 15 September 2026 also returned HTTP 404 for the cyber page. Accessed 2026-09-15.
14. [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download). Massachusetts Division of Insurance; Search-indexed 2026 list entry for Layr Holdings, Inc., license 17853851, original approval 17 March 2021 and renewal date 17 March 2027; direct download returned HTTP 404 on access date. Accessed 2026-09-15.

### [Lockton Official Website](https://global.lockton.com/us/en)

15. [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.
16. [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.
17. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16.
18. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16.
19. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers compensation; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team. Accessed 2026-09-16.
20. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery; no centralized broking centers claim. Accessed 2026-09-16.
21. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16.
22. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16.
23. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16.
24. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities list including D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person, and benefits design. Accessed 2026-09-16.
25. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16.
26. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16.
27. [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.
28. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16.
29. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16.
30. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16.
31. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16.
32. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16.
33. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16.
34. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16.
35. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16.
36. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry landing page; interactive lookup not completed with a returned license detail record in this research pass. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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- [Markdown page](https://spot.insure/compare/layr-vs-lockton.md)
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