Lockton vs Newfront Product Liability Insurance

Lockton designs custom global product-liability structures and lists recall; Newfront’s casualty practice stresses claims advocacy from start-ups to Fortune 10.

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. 1,2,3

Read the Lockton profile

What Is Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. 6,7,8,9

Read the Newfront profile

What Is Product Liability Insurance?

Product liability insurance addresses liability for injury or damage associated with a defective product that a business manufactures, wholesales, distributes or sells. 12,13,14,15

Read the full coverage guide

Key Differences in Product Liability Insurance

How Each Brokers the Line

Lockton lists product liability on its General & Product Liability page and brokers it by designing custom structures with insurers across the global market. Newfront names product liability as one of the coverages its Casualty practice places, opening that page by saying it helps clients with mitigating product liability and improving customer safety; it brokers the line and does not underwrite it. 4 10

Manufacturer Examples Versus Start-ups to Fortune 10

Lockton names global manufacturers, business-to-business service providers and consumer products companies, plus REITs, contractors and healthcare companies. Newfront says Casualty, led by Frannie Epps, serves companies of all sizes from start-ups to Fortune 10 across a broad span of industries, without a product-liability-specific size or revenue threshold. 4 10

Recall Listed Beside Liability Versus Unpublished Form Terms

Lockton lists product recall coverage alongside product liability, so a manufacturer client can have Lockton place both the liability program and a related recall-expense program. Newfront’s reviewed page lists product liability as a named coverage but does not describe the insuring agreement, occurrence versus claims-made trigger, or exclusions, and does not list a companion recall product. 4 10

What to Confirm in Product Liability Insurance Quotes

  • Ask Lockton whether recall expense coverage is quoted with liability. 4
  • Ask Newfront for policy wording the Casualty page does not publish. 10
  • Ask Newfront how claims advocacy would apply to a product injury suit. 10
  • Get issuing insurers and limits from both; neither page publishes them. 4 10

Offering Details

Lockton vs Newfront Product Liability Insurance: documented features by provider

CriteriaLockton General & Product Liability Insurance BrokerageNewfront Casualty Product Liability
Role in This Line

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. 4Company-reported. General & Product Liability page as read 2026-09-23.

Newfront names product liability as one of the coverages its Casualty practice places, opening the practice page by saying it helps clients with "mitigating product liability and improving customer safety." Newfront brokers this coverage; it does not underwrite it. 10Company-reported. Casualty page opening description and Key Coverages list.

Issuing Insurer

Neither page names the insurers Lockton places product liability coverage with. 4,5Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23.

The reviewed page does not name an insurer for product-liability placements; Newfront describes "strong carrier relationships" generally rather than a specific product-liability panel. 10Not found in reviewed sources. Checked the Casualty page for a named product-liability carrier; none was found.

Who It’s For

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. 4Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix.

Newfront says its Casualty practice, led by Frannie Epps, serves companies "of all sizes, ranging from start-ups to Fortune 10" across a broad span of industries, without a product-liability-specific size or revenue threshold. 10Company-reported. Casualty page leadership bio; a practice-wide eligibility statement, not product-liability-only.

Coverage Features

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. 4Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.

The reviewed page lists product liability as a named coverage within casualty placement but does not describe the specific insuring agreement, occurrence versus claims-made trigger, or exclusions for that line; those terms come from the placed policy. 10Not found in reviewed sources. Casualty page as read on 2026-09-23; only a coverage-name listing was found for product liability specifically.

Limits and Retentions

Not described in the reviewed sources.

Published limits or retentions for product-liability coverage were not found on the reviewed page. 10Not publicly disclosed. Casualty page as read on 2026-09-23; limits are quote-specific for broker placements.

Risk Services

Not described in the reviewed sources.

Newfront says its Casualty team offers claims advocacy and integrated risk-control resources to help clients mitigate exposures and reduce claim frequency and cost, plus data-backed benchmarking, applied across the casualty lines it places, including product liability. 10Company-reported. Casualty page's Our Approach and Newfront Difference sections; not product-liability-exclusive service detail.

How to Apply

Not described in the reviewed sources.

You engage Newfront for product-liability placement by requesting a consultation, which asks for your industry, company details and the service you need rather than issuing an instant quote. 11Company-reported. General consultation intake, not a product-liability-specific application path.

Full Comparison

More Lockton vs Newfront Comparisons

Other Product Liability Insurance Comparisons

Sources

Lockton

  1. 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.
  2. 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.
  3. 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.
  4. 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 including Product liability and Product recall. Accessed 2026-09-23.
  5. Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation. Accessed 2026-09-23.

Newfront

  1. Business Insurance. Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
  2. Employee Benefits. Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
  3. Newfront Navigator. Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
  4. WTW Completes Acquisition Of Newfront. WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
  5. Casualty. Newfront; Key Coverages to Protect Your Business: Product Liability; Our Approach: Placement Expertise, Risk Quantification & Optimization, Claims Advocacy & Risk Control; opening paragraph on mitigating product liability and improving customer safety. Accessed 2026-09-23.
  6. Get Started Today. Newfront; Consultation form: schedule a consultation to see how Newfront can reduce your risk. Accessed 2026-09-23.

Product Liability Insurance Guide

  1. Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
  2. Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
  3. Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
  4. Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.

Updated . 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. To suggest a correction, contact Spot with the page URL and supporting source.

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