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

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

## Agent Guide

**What this page is:** Focused comparison of Lockton and Risklytics 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 Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: General Liability Insurance. Providers: Lockton and Risklytics.
- 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 Risklytics](https://spot.insure/compare/lockton-vs-risklytics) — 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
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 brokers general liability across conventional commercial industries; Risklytics places it specifically for robotics, hardware and AI risk.

## Lockton vs Risklytics General Liability Insurance Summary

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

## 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") 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](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") 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. [3](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: 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](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") 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](https://www.risklytics.ai/lines/liability/ "General Liability Insurance")

## 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- 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](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- Confirm whether Risklytics' published $1 million/$2 million figure is a typical ask or the actual limit on your bound policy. [3](https://www.risklytics.ai/lines/liability/ "General Liability Insurance")
- 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

| 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. [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..) | 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. [3](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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). [3](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [2](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About Lockton and Risklytics and General Liability Insurance

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

## Related Pages for Lockton vs Risklytics General Liability Insurance

- [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics): 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)
- [Risklytics General Liability Insurance](https://spot.insure/insurance-providers/risklytics/general-liability)

## Sources for Lockton vs Risklytics 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 Risklytics

3. [General Liability Insurance](https://www.risklytics.ai/lines/liability/). Risklytics; Coverage line: General Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
4. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
5. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-risklytics/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)