What Is Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 1,2,3
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 6,7,8
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 10,11,12
Key Differences in General Liability Insurance
Buyer segment and related casualty
Lockton says it designs custom programs for global manufacturers, B2B service providers, consumer products companies, REITs, contractors, and healthcare organizations. It also places environmental, medical-malpractice, product-recall, and umbrella/excess coverages for these clients. Nationwide identifies most businesses as potential buyers but asks an agent to confirm the need. If your risk spans multiple casualty lines or regions, ask whether Lockton's broader program structure is relevant; confirm Nationwide's fit with the agent. 4 5 9
Service and policy terms
Lockton says clients keep a dedicated service team through placement; Nationwide's overview describes agent access but does not detail a comparable team model. Neither page gives universal GL wording or limits, so compare the insurers, limits, and any related lines proposed for your company. 5 9
What to Confirm in General Liability Insurance Quotes
- Ask Lockton which casualty lines and service team are included; ask Nationwide's agent for the issuing insurer, limits, and any product or completed-operations terms.
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Lockton
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
Lockton vs Nationwide: General Liability Insurance: documented features by provider
| Criteria | Lockton General & Product Liability Insurance Brokerage | Nationwide general liability (official overview) |
|---|---|---|
| Role in This Line | Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. 4Company-reported. General & Product Liability page as read 2026-09-23. | Nationwide describes offering general liability for the audience stated on the cited product page. 9Company-reported. general liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | Neither page names the insurers Lockton places general liability coverage with. 4,5Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23. | Confirm in your quote. |
| Who It’s For | Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 4Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix. | Most businesses are identified as potential buyers; the source directs businesses to an agent to confirm their specific need. 9Company-reported. general liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | 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. 4Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. | The cited product page describes medical expenses, attorney fees, and damages for covered liability claims, with product and completed-operations liability available as an endorsement option. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 9Company-reported. general liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 9Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | 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. 5Company-reported. Casualty product page as read 2026-09-23. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 9Company-reported. general liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More Lockton vs Nationwide Comparisons
Other General Liability Insurance Comparisons
Sources
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.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- General Liability Insurance – Nationwide. Nationwide; General liability overview; covered expenses and endorsements; product and completed-operations liability. Accessed 2026-09-30.
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.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
