Lockton vs ERGO NEXT Insurance General Liability Insurance

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.

ERGO NEXT sells general liability as a standalone online policy for small businesses, separate from its bundled business owner's policy. ⁹Company-reported. General liability product page; does not describe every distribution channel ERGO NEXT uses for this line.

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.

The general liability product page does not name an issuing insurer. A posted Texas general-liability specimen names State National Insurance Company, Inc. as insurer, but it is a 2020-form illustrative specimen for one state and class, not evidence of the insurer on a new applicant's policy. ^9,10Verified. Product page checked 2026-09-23; specimen form NXT-0337 BM GL 0619 in the declarations packet dated 2020.

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.

ERGO NEXT targets general liability at brick-and-mortar shops and offices, businesses visited by customers or vendors, contractors who work at other people's property, and businesses that bid on contract jobs or need a license or permit. ⁹Company-reported. Product page eligibility framing; specific underwriting appetite by profession and state is not published on this page.

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.

ERGO NEXT says its general liability policies can cover slip-and-fall injuries to non-employees, damage to property the business does not own, legal defense costs, non-employee medical payments, and libel, slander or advertising-injury lawsuits. ⁹Company-reported. Product page coverage list; the issued policy and its exclusions control an actual claim.

ERGO NEXT lists the policy as excluding damage to the business owner's own property, employee injuries (covered by workers' compensation instead), professional errors, vehicle accidents and cyber attacks; those need separate policies or add-ons. ⁹Company-reported. Product page exclusions summary.

Not described in the reviewed sources.

A posted Texas restaurant specimen shows illustrative limits of $1,000,000 per occurrence and $2,000,000 general aggregate, with a $100,000 damage-to-rented-premises limit and a $15,000 medical-expense limit. Actual limits are set by the quote and declarations for each business. ¹⁰Verified. One specimen for one state and class of business; not a published rate or limit table for all applicants.

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.

Not described in the reviewed sources.

Not described in the reviewed sources.

ERGO NEXT says a buyer answers a roughly 10-minute questionnaire, customizes coverage limits and deductibles, then buys the policy online with coverage effective after payment. ⁹Company-reported. Product page quote flow description; the underlying terms still require carrier approval before binding.

Not described in the reviewed sources.

ERGO NEXT says policyholders can file a general liability claim through their online account or the ERGO NEXT app at any time. ⁹Company-reported. Product page claims description; no independent claims-handling outcome is established.