Lockton vs The Hartford General Liability Insurance

Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. ⁴Company-reported. General & Product Liability page as read 2026-09-23.

The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. ⁹Company-reported. General liability product page as read 2026-09-23.

Neither page names the insurers Lockton places general liability coverage with. ^4,5Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23.

Not described in the reviewed sources.

Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. ⁴Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix.

The Hartford markets GL coverage to businesses that meet clients face-to-face, work on or with client property, use third-party locations, or advertise, and names specific professions it targets, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. ⁹Company-reported. General liability product page as read 2026-09-23.

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. ⁴Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.

The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. ⁹Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.

Not described in the reviewed sources.

The Hartford reports average GL premiums of about $810 a year ($67 a month) for its customers, and says cost varies by business type, revenue, employee count, location, coverage limits/deductibles and claims history; the page does not publish standard limit or deductible amounts. ⁹Company-reported. Company-reported average as of 2026-09-23; not a specific quote.

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. ⁵Company-reported. Casualty product page as read 2026-09-23.

Not described in the reviewed sources.

Not described in the reviewed sources.

The Hartford provides a 24/7 general liability claims phone line (800-327-3636) and an online claim form, with a policy-type selector that also covers cyber, employee benefits, property and workers' compensation claims. ¹⁰Company-reported. GL claims page as read 2026-09-23. Describes intake channels, not claim outcomes.