Lockton vs StartupInsurance.ai: How Do They Compare for General Liability Insurance?

Lockton is a broker that designs custom program structures and also places umbrella/excess liability; StartupInsurance.ai offers a free policy check with a one-page summary of AI exclusions within 48 hours.

Lockton designs custom general liability programs for global companies; StartupInsurance.ai checks existing policies for AI exclusions and places coverage through a six-insurer panel. ^1,³

What Are the Key Differences Between Lockton and StartupInsurance.ai General Liability Insurance?

What Each Brokerage Checks For

Lockton's general liability page describes designing program structures for commercial clients rather than reviewing forms already in place. ¹ StartupInsurance.ai instead names a specific market-wide change it says it watches for:

StartupInsurance.ai says that in January 2026 the standard general liability forms industry-wide picked up three new AI-related exclusions, and illustrates its policy-check service with an example flagging exclusion form CG 40 42. ³Company-reported. Homepage "Wording that still says yes" section; describes an industry-wide forms change the brokerage says it checks for, not the terms of any specific StartupInsurance.ai-placed policy.

StartupInsurance.ai's screening service for that change has no counterpart on Lockton's reviewed pages, which describe program design rather than a review of wording already in force.

Naming a Carrier Panel

Neither of Lockton's general liability and casualty pages names an insurer. ¹ StartupInsurance.ai instead publishes a named carrier panel of six insurers, including The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA, though its reviewed pages do not say which panel carrier issues a given general liability policy. ³

Who Each One Is Built For

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 StartupInsurance.ai instead frames its pitch around certificates of insurance naming a customer or landlord as additional insured, aimed at founders who need a certificate to satisfy a contract. ³

What Should You Confirm in Lockton and StartupInsurance.ai General Liability Insurance Quotes?

Ask Lockton which insurers it can access for your submission, since its reviewed pages name none. ¹
Ask StartupInsurance.ai which of its six named panel carriers would actually underwrite your general liability policy. ³
If you already hold a general liability policy, ask StartupInsurance.ai whether its free policy check would flag AI-related exclusions in your current wording. ³
Ask each company for published limit options, since neither reviewed page discloses them for this line. ¹ ³

Lockton vs StartupInsurance.ai General Liability Insurance Compared

Lockton vs StartupInsurance.ai: General Liability Insurance: documented features by provider

Criteria	Lockton General & Product Liability Insurance Brokerage	StartupInsurance.ai General Liability (GL)
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.	StartupInsurance.ai frames its "what cleared means" pitch around certificates of insurance naming a customer or landlord as additional insured, primary and non-contributory, with a waiver of subrogation — requirements that typically apply to general liability policies. ³Company-reported. Homepage narrative section aimed at founders who need a certificate to satisfy a landlord or customer contract; does not state formal underwriting eligibility criteria (industry, revenue, headcount) for general liability.
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.	StartupInsurance.ai says that in January 2026 the standard general liability forms industry-wide picked up three new AI-related exclusions, and illustrates its policy-check service with an example flagging exclusion form CG 40 42. ³Company-reported. Homepage "Wording that still says yes" section; describes an industry-wide forms change the brokerage says it checks for, not the terms of any specific StartupInsurance.ai-placed policy.
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.	StartupInsurance.ai lists general liability among the lines its startup program places. The brokerage is ContractorNerd Insurance Services, LLC, which its own terms describe as an insurance agency/producer that arranges coverage and does not underwrite policies itself. ^3,⁵Company-reported. Homepage coverage list and ContractorNerd's terms and conditions; describes the brokerage's role generally and names general liability as one of the placed lines, not a specific policy's terms.
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.	StartupInsurance.ai offers a free policy check: send in your current policies and a customer contract, and within 48 hours you get a one-page summary of AI exclusions in your program and where your contract asks for something the policy doesn't give. ³Company-reported. Homepage service description; a marketing offer, not a guarantee of findings for any particular general liability policy.