Lockton vs The Hartford: How Do They Compare for General Liability Insurance?

Lockton, a broker, designs custom program structures and keeps one dedicated service team; The Hartford markets general liability as a stand-alone policy or bundled into a Business Owner's Policy and runs a 24/7 claims phone line.

Lockton places general liability across insurers it does not name, while The Hartford underwrites the policy itself, reports an average premium of about $810 a year, and runs a 24/7 claims phone line. ^1,³

What Are the Key Differences Between Lockton and The Hartford General Liability Insurance?

Who Actually Carries the Risk

Lockton's general liability and casualty pages do not name the insurers it places coverage with, consistent with its role designing programs across the global market. ¹ The Hartford instead is the carrier itself, underwriting general liability insurance (also called commercial general liability) that businesses can buy standalone or bundled into a Business Owner's Policy. ³

A Published Price Versus None

Lockton's pages publish no premium figures for general liability. ¹ The Hartford instead reports an average:

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. ³Company-reported. Company-reported average as of 2026-09-23; not a specific quote.

Claims Handling

Lockton's casualty page describes a dedicated service team throughout placement but does not detail a claims-filing process for general liability specifically. ² The Hartford instead publishes a specific general liability claims channel: a 24/7 phone line and an online claim form. ⁴

What Should You Confirm in Lockton and The Hartford General Liability Insurance Quotes?

Ask Lockton which of its market insurers it would place your general liability with, since its reviewed pages name none. ¹
Compare The Hartford's published $810-a-year average against your own quote, since The Hartford says cost varies by business type, revenue, employees, location, limits and claims history. ³
Ask The Hartford whether product recall coverage, which it says is available only as an endorsement, is included in your quote or priced separately. ³
If your business needs multi-state or specialty placement, ask Lockton how its custom program approach compares with buying directly from a single carrier like The Hartford.

Lockton vs The Hartford General Liability Insurance Compared

Lockton vs The Hartford: General Liability Insurance: documented features by provider

Criteria	Lockton General & Product Liability Insurance Brokerage	The Hartford 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. ¹Company-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. ³Company-reported. General liability product page as read 2026-09-23.
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.	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. ³Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.
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.	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. ³Company-reported. General liability product page as read 2026-09-23.