---
title: "Lockton vs RiskCube General Liability Insurance"
description: "Lockton runs custom global placements through a dedicated service team; RiskCube runs a roughly 10-minute AI-agent intake aimed at same-day COIs."
canonical: "https://spot.insure/compare/lockton-vs-riskcube/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Lockton vs RiskCube General Liability Insurance

Lockton runs custom global placements through a dedicated service team; RiskCube runs a roughly 10-minute AI-agent intake aimed at same-day COIs.

## Research Scope and Use

Use this comparison to evaluate Lockton and RiskCube 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 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. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [9](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## 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 RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [6](https://riskcubeai.com/ "Startup Business Insurance") [7](https://riskcubeai.com/licenses "Licenses & Disclosures") [8](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## 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

### 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. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") 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. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") 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. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### Who Underwrites the Risk

Neither Lockton's general liability and casualty pages nor RiskCube's catalogue name a specific insurer. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") 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. [8](https://riskcubeai.com/disclosures "Disclosures & Compensation")

## What to Confirm in General Liability Insurance Quotes

- Ask Lockton which insurers it can place your account with, since its reviewed pages name none. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Ask RiskCube which carrier would actually issue your policy, since its disclosures name only that carriers exist, not which ones. [8](https://riskcubeai.com/disclosures "Disclosures & Compensation")
- Ask RiskCube for published limit and retention options, since its catalogue does not list them for general liability. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- 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. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## Offering Details

| Criteria | Lockton General & Product Liability Insurance Brokerage | RiskCube 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..) | RiskCube brokers general liability coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate general liability landing page as of 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..) | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including general liability, are underwritten and issued by third-party carriers it does not name. [8](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure; no carrier is identified for general liability specifically..) |
| 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..) | 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. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [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..) | RiskCube describes general liability as covering bodily injury, property damage and advertising injury. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue General Liability card summary..) |
| Limits and Retentions | Not described in the reviewed sources. | RiskCube's catalogue does not publish specific limit or retention amounts for general liability. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not publicly disclosed; scope: Catalogue as read on 2026-09-23; a dedicated general liability page was not available to check for a limits table..) |
| 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..) | The reviewed catalogue page does not describe risk-control or other services specific to general liability. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Catalogue as read on 2026-09-23; a dedicated general liability page was not available..) |
| How to Apply | Not described in the reviewed sources. | 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. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue process section; the timing is a general claim about the catalogue's application flow, not general-liability-specific..) |
| Claims Support | Not described in the reviewed sources. | The reviewed catalogue page does not describe claims handling specific to general liability. [9](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Catalogue as read on 2026-09-23; a dedicated general liability page was not available..) |

## Full Comparison

- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube): 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 RiskCube Crime Insurance](https://spot.insure/compare/lockton-vs-riskcube/crime)
- [Lockton vs RiskCube Cyber Insurance](https://spot.insure/compare/lockton-vs-riskcube/cyber)
- [Lockton vs RiskCube D&O Insurance](https://spot.insure/compare/lockton-vs-riskcube/directors-officers)
- [Lockton vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-riskcube/employment-practices)
- [Lockton vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-riskcube/fiduciary)
- [Alliance Risk vs Lockton General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/general-liability)
- [Alliance Risk vs RiskCube General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/general-liability)
- [Amelia Risk vs Lockton General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/general-liability)
- [Amelia Risk vs RiskCube General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/general-liability)
- [Beazley vs Lockton General Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/general-liability)
- [Beazley vs RiskCube General Liability Insurance](https://spot.insure/compare/beazley-vs-riskcube/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.

### RiskCube

6. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
7. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
8. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
9. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; General Liability card: "GL is the foundation of every startup insurance stack. It covers bodily injury, property damage, and advertising injury — and is the policy behind most COIs required by landlords, event venues, and vendor contracts"; catalogue intro and process steps. 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.

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