---
title: "Lockton vs StartupInsurance.ai Commercial Property Insurance"
description: "StartupInsurance.ai names a program-wide carrier panel but leaves property out of its self-serve checkboxes; Lockton names no carrier and negotiates directly with underwriters."
canonical: "https://spot.insure/compare/lockton-vs-startupinsurance/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-startupinsurance/commercial-property)

# Lockton vs StartupInsurance.ai Commercial Property Insurance

StartupInsurance.ai names a program-wide carrier panel but leaves property out of its self-serve checkboxes; Lockton names no carrier and negotiates directly with underwriters.

## Research Scope and Use

Use this comparison to evaluate Lockton and StartupInsurance.ai for Commercial Property 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

StartupInsurance.ai frames property as one of seven physical-risk lines for hardware and defense-tech founders and names a program-wide carrier panel, while Lockton negotiates commercial property placements directly with underwriters without naming a carrier. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [4](https://global.lockton.com/us/en/products-services/property "Property 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 StartupInsurance.ai?

StartupInsurance.ai is a marketing brand of ContractorNerd Insurance Services, LLC, offering startup insurance placement and policy reviews. Buyers can begin with an online coverage selection or a review of existing policies and contract requirements. [5](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

## What Is Commercial Property Insurance?

Commercial property insurance addresses physical business assets, including buildings, equipment, furniture and inventory, subject to the policy’s covered property, causes and terms. [10](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)")

## Key Differences in Commercial Property Insurance

### Who Each Page Targets

StartupInsurance.ai groups property with six other "physical risk" lines and frames them around founders building robots, hardware, energy or defense tech. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") Lockton's page names no comparable target customer; it instead describes negotiating directly with underwriters and tailoring a proprietary manuscript policy across accounts. [4](https://global.lockton.com/us/en/products-services/property "Property Insurance")

### What the Carrier Panel Discloses

StartupInsurance.ai's homepage names six insurers at the program level — The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA — without stating which one underwrites a given company's property policy. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") Lockton's page names no insurer at all, describing relationships across the global marketplace only in general terms. [4](https://global.lockton.com/us/en/products-services/property "Property Insurance")

### Self-Serve Checkbox or Direct Negotiation

StartupInsurance.ai's public quote-application intake screen offers seven coverage checkboxes, and property is not one of them, using an "Ask about your insurance requirements" call to action instead. [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") Lockton's process has no self-serve intake for any line; the same team that meets a client also negotiates directly with the market on their behalf. [4](https://global.lockton.com/us/en/products-services/property "Property Insurance")

## What to Confirm in Commercial Property Insurance Quotes

- Ask StartupInsurance.ai which of its six named carriers, if any, would underwrite your property policy. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Confirm with StartupInsurance.ai what the specialist conversation covers, since property is left out of its public intake checkboxes. [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")
- Ask Lockton which insurer it would approach for your account, since its page names none. [4](https://global.lockton.com/us/en/products-services/property "Property Insurance")
- Ask both for published limits or deductibles, since neither discloses them.

## Offering Details

| Criteria | Lockton Property Insurance Brokerage | StartupInsurance.ai Commercial Property Insurance |
| --- | --- | --- |
| Role in This Line | Lockton's property team negotiates commercial property placements directly with underwriters rather than through a centralized broking center, and says the same team that meets a client also negotiates with the market on their behalf. [4](https://global.lockton.com/us/en/products-services/property "Property Insurance") (Evidence: Company-reported; scope: Property product page as read 2026-09-23..) | StartupInsurance.ai does not underwrite commercial property coverage itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. [8](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [9](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not commercial-property-specific placement terms..) |
| Issuing Insurer | The property page does not name the insurers Lockton places commercial property coverage with; it describes relationships across the global marketplace in general terms only. [4](https://global.lockton.com/us/en/products-services/property "Property Insurance") (Evidence: Not publicly disclosed; scope: Property product page checked 2026-09-23..) | The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, underwrites a given company's commercial property policy. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Carrier panel is program-wide rather than broken out by line; the insurer for a commercial property placement is not disclosed on the pages reviewed and varies by placement..) |
| Who It’s For | Not described in the reviewed sources. | The section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning commercial property as a line it places regularly for hardware-adjacent startups with labs, workshops or warehouses, rather than as a rare add-on. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria..) |
| Coverage Features | Lockton says it can tailor its own proprietary manuscript property policy to a client's coverage needs, rather than only placing standard-form property policies. [4](https://global.lockton.com/us/en/products-services/property "Property Insurance") (Evidence: Company-reported; scope: Property product page as read 2026-09-23. The manuscript form's actual wording and how it compares to standard forms was not published on this page..) | StartupInsurance.ai lists "Property" among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. The page uses the single word "Property" rather than "commercial property." [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe building types, business personal property limits, or covered perils..) |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed pages do not publish sample commercial property building or business-personal-property limits, coinsurance terms, or covered perils. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote..) |
| Risk Services | Lockton lists specific property services: detailed review of coverage terms, conditions and policy wordings; retention analysis for deductible selection; exposure and stratification-of-value analysis; catastrophic modeling; preparation of underwriting specifications; and assistance with complex claim recovery. [4](https://global.lockton.com/us/en/products-services/property "Property Insurance") (Evidence: Company-reported; scope: Property product page as read 2026-09-23. These are described capabilities, not a guarantee of outcome on any specific account..) | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | The physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating commercial property is discussed with a specialist rather than quoted through a self-serve form. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers..)<br><br>The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Property is not one of them, so it is not part of that self-serve intake flow. [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line..) |

## Full Comparison

- [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can help repair or replace your building, equipment and stock after a covered loss.
- [Lockton vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/lockton-vs-startupinsurance/directors-officers)
- [Lockton vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-startupinsurance/fiduciary)
- [Lockton vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/lockton-vs-startupinsurance/general-liability)
- [Lockton vs StartupInsurance.ai Product Liability Insurance](https://spot.insure/compare/lockton-vs-startupinsurance/product-liability)
- [Lockton vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/lockton-vs-startupinsurance/surety-bonds)
- [Alliance Risk vs Lockton Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/commercial-property)
- [Alliance Risk vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/commercial-property)
- [Beazley vs Lockton Commercial Property Insurance](https://spot.insure/compare/beazley-vs-lockton/commercial-property)
- [Beazley vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/beazley-vs-startupinsurance/commercial-property)
- [CFC vs Lockton Commercial Property Insurance](https://spot.insure/compare/cfc-vs-lockton/commercial-property)
- [CFC vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/cfc-vs-startupinsurance/commercial-property)

## 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. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Protecting your assets intro; You benefit from our expertise: detailed review of coverage terms and conditions, retention analysis, exposure and stratification-of-value analyses, catastrophic modeling, tailoring Lockton's proprietary manuscript property policy, assistance with complex claim recovery. Accessed 2026-09-23.

### StartupInsurance.ai

5. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
6. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime, GL). Accessed 2026-09-23.
7. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Carrier panel; Physical risk, because AI outgrew software (Products Liability · Inland Marine · Tools and Equipment · Commercial Auto · Builders Risk · Surety · Property; "Building robots, hardware, energy or defense tech?"). Accessed 2026-09-23.
8. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: "ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance"; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23.
9. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information: "a property and casualty independent insurance agency licensed in all 50 states"; 50-state licensing table for ContractorNerd Insurance Services, LLC. Accessed 2026-09-16.

### Commercial Property Insurance Guide

10. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. 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-startupinsurance/commercial-property.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)