Lockton vs StartupInsurance.ai Product Liability Insurance

Lockton lists product liability on its General & Product Liability page and brokers it rather than underwriting it, designing custom structures with insurers across the global market. ⁴Company-reported. General & Product Liability page as read 2026-09-23.

StartupInsurance.ai does not underwrite product liability 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. ^9,10,8Company-reported. ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not product-liability-specific placement terms.

Neither page names the insurers Lockton places product liability coverage with. ^4,5Not publicly disclosed. General & Product Liability and Casualty pages 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 product liability policy. ⁸Not publicly disclosed. Carrier panel is program-wide rather than broken out by line; the insurer for a product liability placement is not disclosed on the pages reviewed and varies by placement.

Lockton says it serves global manufacturers, business-to-business service providers and consumer products companies among others on this page — the segments most exposed to product liability risk — alongside REITs, contractors and healthcare companies. ⁴Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix.

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 product liability as a line it places regularly for hardware-adjacent startups rather than as a rare add-on. ⁸Company-reported. Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria.

Lockton lists product recall coverage alongside product liability on the same page, meaning a manufacturer client can have Lockton place both the liability program and a related recall-expense program. ⁴Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.

StartupInsurance.ai lists Products Liability 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. ⁸Company-reported. Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe specific coverage terms, forms or exclusions.

Not described in the reviewed sources.

The reviewed pages do not publish sample product liability limits, sublimits or retentions. ^8,7Not found in reviewed sources. Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote.

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 product liability is discussed with a specialist rather than quoted through a self-serve form. ⁸Company-reported. Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers.

The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Products Liability is not one of them, so it is not part of that self-serve intake flow. ⁷Not found in reviewed sources. 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.