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

Lockton, a broker, designs custom program structures for manufacturers, REITs and healthcare companies; Risklytics is a licensed producer placing general liability with carriers wanting robotics and hardware risk, with no broker fee on top of the premium.

Lockton's general liability solution serves manufacturers, REITs, contractors and healthcare companies broadly, while Risklytics places the same line specifically with carriers willing to write robotics, autonomy and AI risk, and publishes a typical $1 million/$2 million ask. ^1,³

What Are the Key Differences Between Lockton and Risklytics General Liability Insurance?

Industry Focus

Lockton names global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies as the industries its general liability solution serves. ¹ Risklytics instead builds its general liability offering around a single specialty: companies whose machines operate around people, saying this line "needs the right insurers" because generic carriers are wary of that exposure. ³ Where Lockton spans broad commercial sectors, Risklytics narrows to a specific hazard profile.

Whether a Number Gets Published

Lockton's general liability and casualty pages do not publish limit figures for the line. ¹ Risklytics' page does the opposite and puts a number on the table:

Risklytics lists a typical ask of $1 million per incident and $2 million total per year for this line, describing it as a typical requested limit rather than a guaranteed policy limit. ³Company-reported. Lines page; actual limits are set on the bound policy.

How Each One Places Coverage

Lockton describes a dedicated service team that stays with clients through the placement process. ² Risklytics instead emphasizes carrier selection itself as its differentiator, saying it places business with specialist insurers willing to write robotics, autonomy and AI risk that a generalist market might decline. ³

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

Ask Lockton which insurers it can access for your risk profile, since its reviewed pages name none. ¹
Ask Risklytics to name the specific carrier it places your policy with, since its lines and about pages describe the specialty focus but not a named insurer. ³ ⁴
Confirm whether Risklytics' published $1 million/$2 million figure is a typical ask or the actual limit on your bound policy. ³
If your operations involve robotics or autonomous hardware, ask Lockton whether its market access includes carriers comfortable with that exposure, since its page does not name one.

Lockton vs Risklytics General Liability Insurance Compared

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

Criteria	Lockton General & Product Liability Insurance Brokerage	Risklytics 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.	Risklytics says buyers typically need this coverage at their first lease, customer contract, or on-site visit, and that landlords, customers and site owners require it before a client signs a contract or sets foot on site. ³Company-reported. Lines page.
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.	Risklytics describes General Liability as responding when someone outside the company is hurt or their property is damaged, giving examples of a falling bracket damaging customer equipment and a visitor tripping at a demo, and says it does not respond to a customer's financial loss from a product failure (that falls under Tech E&O). ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics General Liability Insurance with outside carriers; it says it does not underwrite policies itself. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
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. ²Company-reported. Casualty product page as read 2026-09-23.	Risklytics says this line “needs the right insurers” because machines operating around people make generic insurers wary, and that it places with carriers that specifically want robotics and hardware risk. ³Company-reported. Lines page.