Lockton vs 
Pie Insurance General Liability Insurance
Lockton places general liability for global enterprise clients across a named industry list; Pie sells it to small businesses through unnamed carrier partners.
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
What Is Pie Insurance?
Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. 6,7,8
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 10,11
Key Differences in General Liability Insurance
Scale and Industry Focus
Lockton names specific industries for its general liability solution: global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 4 Pie instead calls general liability "one of the most common types of insurance that businesses carry" and markets it broadly to small businesses, cross-selling it alongside workers' compensation, commercial auto, cyber and BOP coverage. 9 The two pages describe opposite ends of the market: complex global accounts for Lockton, general small-business coverage for Pie.
What the Coverage Description Covers
Lockton's general liability page frames the line through adjacent specialty coverages it can also place, such as environmental impairment and product recall, rather than describing the base insuring agreement itself. 4 Pie instead lists what its general liability coverage typically addresses: bodily injury, property damage, reputation harm from slander or libel claims, product liability, and advertising injury. 9
How You Start a Quote
Lockton's pages describe a placement process built around a dedicated service team rather than a public quote form. 5 Pie directs general liability buyers to contact the company to start a quote through its website. 9 Neither page publishes limits or a named insurer for the coverage.
What to Confirm in General Liability Insurance Quotes
- Ask Lockton which insurers it can access for your industry, since its reviewed pages do not name a carrier. 4
- Ask Pie to name the specific carrier partner that would underwrite your policy, since its page refers only to unnamed "insurance carrier partners." 9
- Ask Pie for actual limit and deductible options, since its general liability page does not publish them. 9
- If your business operates across multiple states or a regulated industry like healthcare, ask each company how its process, Lockton's custom program design or Pie's small-business form, would handle your specific submission.
Offering Details
Lockton vs Pie Insurance General Liability Insurance: documented features by provider
| Criteria | Lockton General & Product Liability Insurance Brokerage | Pie General Liability Insurance |
|---|---|---|
| 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. | Pie says it helps small businesses get the best general liability coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. 9Company-reported. General Liability product page as read on 2026-09-23. |
| 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. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's general liability product. 9Not publicly disclosed. General Liability product page as read on 2026-09-23. |
| 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. | Pie calls general liability 'one of the most common types of insurance that businesses carry' and markets it to small businesses generally, cross-selling it alongside workers' compensation, commercial auto, cyber, and BOP insurance. 9Company-reported. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published. |
| 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. | Pie lists bodily injury, property damage, reputation harm (slander and libel claims), product liability, and advertising injury as the categories its general liability coverage typically addresses. 9Company-reported. General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish limits, deductibles, or premium ranges for general liability coverage. 9Not publicly disclosed. General Liability product page as read on 2026-09-23. |
| 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. | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | Pie directs general liability buyers to contact the company to start a quote through its website. 9Company-reported. General Liability product page as read on 2026-09-23. |
Full Comparison
More Lockton vs Pie Insurance 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.
Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
- Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
- General Liability Insurance. Pie Insurance; What's typically covered by general liability insurance? Bodily Injury, Property Damage, Reputation Harm, Product Liability, Advertising Injury; How does general liability insurance help protect small businesses?; Make sure you're covered: Contact Us. Accessed 2026-09-23.
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.
