---
title: "Lockton vs Pie Insurance General Liability Insurance"
description: "Lockton places general liability for global enterprise clients across a named industry list; Pie sells it to small businesses through unnamed carrier partners."
canonical: "https://spot.insure/compare/lockton-vs-pie-insurance/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Lockton and Pie Insurance for General Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## 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. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [9](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")

## 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](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://www.pieinsurance.com/legal "Legal") [7](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [8](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## 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](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## 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](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. [9](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. [4](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. [9](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. [5](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. [9](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") 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](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." [9](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. [9](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.

## Offering Details

| 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. [4](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. [9](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..) |
| Issuing Insurer | Neither page names the insurers Lockton places general liability coverage with. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: 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. [4](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. [9](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. [4](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. [9](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..) |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish limits, deductibles, or premium ranges for general liability coverage. [9](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: 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. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Company-reported; scope: 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. [9](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..) |

## Full Comparison

- [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 insurance helps with covered claims for injuries to other people, damage to their property and specified advertising offenses.
- [Lockton vs Pie Insurance Cyber Insurance](https://spot.insure/compare/lockton-vs-pie-insurance/cyber)
- [Lockton vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-pie-insurance/workers-compensation)
- [Alliance Risk vs Lockton General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/general-liability)
- [Alliance Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/general-liability)
- [Amelia Risk vs Lockton General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/general-liability)
- [Amelia Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/general-liability)
- [Beazley vs Lockton General Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/general-liability)
- [Beazley vs Pie Insurance General Liability Insurance](https://spot.insure/compare/beazley-vs-pie-insurance/general-liability)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). 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](https://global.lockton.com/us/en/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](https://global.lockton.com/us/en/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](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.
5. [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.

### Pie Insurance

6. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
7. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). 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.
8. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/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.
9. [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.

### General Liability Insurance Guide

10. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-pie-insurance/general-liability.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)