Lockton vs Pie Insurance: How Do They Compare for General Liability Insurance?

Lockton is a broker that designs custom program structures and keeps one dedicated service team through placement; Pie Insurance says it gets small businesses general liability from its insurance carrier partners and starts quotes on its website.

Lockton names specific industries, from global manufacturers to REITs, that its general liability solution serves, while Pie markets the line to small businesses generally and routes buyers to contact carrier partners it does not name. ^1,³

What Are the Key Differences Between Lockton and Pie Insurance 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. ¹ 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. ³ 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. ¹ 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. ³

How You Start a Quote

Lockton's pages describe a placement process built around a dedicated service team rather than a public quote form. ² Pie directs general liability buyers to contact the company to start a quote through its website. ³ Neither page publishes limits or a named insurer for the coverage.

What Should You Confirm in Lockton and Pie Insurance General Liability Insurance Quotes?

Ask Lockton which insurers it can access for your industry, since its reviewed pages do not name a carrier. ¹
Ask Pie to name the specific carrier partner that would underwrite your policy, since its page refers only to unnamed "insurance carrier partners." ³
Ask Pie for actual limit and deductible options, since its general liability page does not publish them. ³
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.

Lockton vs Pie Insurance General Liability Insurance Compared

Lockton vs Pie Insurance: General Liability Insurance: documented features by provider

Criteria	Lockton General & Product Liability Insurance Brokerage	Pie General Liability Insurance
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. ¹Company-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. ³Company-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. ¹Company-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. ³Company-reported. General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.
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. ¹Company-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. ³Company-reported. General Liability product page as read on 2026-09-23.