Lockton vs 
RiskCube: How Do They Compare for General Liability Insurance?
RiskCube is a broker whose startup catalogue includes general liability, with a roughly 10-minute intake and proof of coverage aimed for about 24 hours; Lockton designs custom program structures and keeps one dedicated service team.
Lockton places general liability through a dedicated service team for global enterprise clients, while RiskCube describes a roughly 10-minute digital intake with AI agents and licensed brokers aimed at vendor-ready proof of coverage in about 24 hours. 2,3
What Are the Key Differences Between Lockton and RiskCube General Liability Insurance?
How Fast You Can Move
Lockton's casualty pages describe a placement process centered on a dedicated service team that stays with the client throughout, without a stated turnaround time. 2 RiskCube instead publishes a specific process and timeline for its startup catalogue:
RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including general liability. 3Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not general-liability-specific.
Lockton's continuity-focused model is built around ongoing global accounts rather than a quoted turnaround, while RiskCube's page is built around getting a startup to a certificate quickly.
What Each Page Says Coverage Is For
Lockton frames general liability through adjacent specialty lines it can also place, such as environmental impairment and product recall, for global manufacturers, B2B service providers, REITs, contractors and healthcare companies. 1 RiskCube instead describes general liability as the policy behind most certificates of insurance that landlords, event venues and vendor contracts require, framing it as the coverage startups typically need first. 3
Who Underwrites the Risk
Neither Lockton's general liability and casualty pages nor RiskCube's catalogue name a specific insurer. 1 RiskCube's disclosures instead state as company policy that it is not a carrier and that its products, including general liability, are underwritten and issued by third-party insurance carriers it does not name. 4
What Should You Confirm in Lockton and RiskCube General Liability Insurance Quotes?
- Ask Lockton which insurers it can place your account with, since its reviewed pages name none. 1
- Ask RiskCube which carrier would actually issue your policy, since its disclosures name only that carriers exist, not which ones. 4
- Ask RiskCube for published limit and retention options, since its catalogue does not list them for general liability. 3
- If your business needs a specific landlord or vendor certificate quickly, confirm RiskCube's stated 24-hour proof-of-coverage timeline against your own deadline before relying on it. 3
Lockton vs RiskCube General Liability Insurance Compared
Lockton vs RiskCube: General Liability Insurance: documented features by provider
| Criteria | Lockton General & Product Liability Insurance Brokerage | RiskCube 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. | RiskCube says general liability is "the policy behind most COIs required by landlords, event venues, and vendor contracts," framing it as the coverage startups typically need first to satisfy those counterparties. 3Company-reported. Catalogue General Liability card; specific landlord, venue or vendor requirements were not independently verified. |
| 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. | RiskCube describes general liability as covering bodily injury, property damage and advertising injury. 3Company-reported. Catalogue General Liability card summary. |
| 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. | RiskCube brokers general liability coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. 3Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate general liability landing page as of 2026-09-23. |
