---
title: "Lockton vs Pie Insurance: General Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-pie-insurance/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-pie-insurance"
provider-a: "lockton"
provider-b: "pie-insurance"
coverage-line: "general-liability"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-pie-insurance/general-liability)

## Agent Guide

**What this page is:** Focused comparison of Lockton and Pie Insurance for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for General Liability Insurance questions about Lockton versus Pie Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Lockton vs Pie Insurance for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, Lockton or Pie Insurance?
- What does Lockton or Pie Insurance publish about General Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: General Liability Insurance. Providers: Lockton and Pie Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance) — all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile

# 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 places general liability for global enterprise clients across a named industry list; Pie sells it to small businesses through unnamed carrier partners.

## Lockton vs Pie Insurance General Liability Insurance Summary

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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [3](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")

## 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") 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](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") 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](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")

### 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](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") Pie directs general liability buyers to contact the company to start a quote through its website. [3](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Ask Pie to name the specific carrier partner that would underwrite your policy, since its page refers only to unnamed "insurance carrier partners." [3](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")
- Ask Pie for actual limit and deductible options, since its general liability page does not publish them. [3](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")
- 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

| 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. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [3](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [3](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [3](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: General Liability product page as read on 2026-09-23..) |

## About Lockton and Pie Insurance and General Liability Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability)

## Related Pages for Lockton vs Pie Insurance General Liability Insurance

- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [Lockton General Liability Insurance](https://spot.insure/insurance-providers/lockton/general-liability)
- [Pie Insurance General Liability Insurance](https://spot.insure/insurance-providers/pie-insurance/general-liability)

## Sources for Lockton vs Pie Insurance General Liability Insurance

### Sources About Lockton

1. [US > General & Product Liability](https://global.lockton.com/us/en/products-services/general-product). 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.
2. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.

### Sources About Pie Insurance

3. [General Liability Insurance](https://www.pieinsurance.com/small-business-insurance/general-liability). 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.

Updated 2026-09-25. 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](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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