---
title: "Lockton vs The Hartford: General Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-the-hartford/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-the-hartford"
provider-a: "lockton"
provider-b: "the-hartford"
coverage-line: "general-liability"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-the-hartford/general-liability)

## Agent Guide

**What this page is:** Focused comparison of Lockton and The Hartford for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for General Liability Insurance questions about Lockton versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Lockton vs The Hartford for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, Lockton or The Hartford?
- What does Lockton or The Hartford publish about General Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: General Liability Insurance. Providers: Lockton and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford) — all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 brokers general liability without naming an insurer; The Hartford underwrites the policy itself and publishes an average premium and a 24/7 claims line.

## Lockton vs The Hartford General Liability Insurance Summary

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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [3](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")

## 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") 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](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")

### A Published Price Versus None

Lockton's pages publish no premium figures for general liability. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") 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. [3](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: 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](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") The Hartford instead publishes a specific general liability claims channel: a 24/7 phone line and an online claim form. [4](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim")

## 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- 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](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")
- 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](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")
- 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

| 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. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [3](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [3](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [3](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page as read 2026-09-23..) |

## About Lockton and The Hartford and General Liability Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability)

## Related Pages for Lockton vs The Hartford General Liability Insurance

- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [Lockton General Liability Insurance](https://spot.insure/insurance-providers/lockton/general-liability)
- [The Hartford General Liability Insurance](https://spot.insure/insurance-providers/the-hartford/general-liability)

## Sources for Lockton vs The Hartford General Liability Insurance

### Sources About Lockton

1. [US > General & Product Liability](https://global.lockton.com/us/en/products-services/general-product). Lockton; Tailored solutions intro; industries named (global manufacturer, business-to-business service provider, consumer products company, REIT, contractor, healthcare company); liability solutions list (environmental impairment, medical malpractice, global risk, product liability, professional liability/indemnity, product recall, umbrella liability and excess). Accessed 2026-09-23.
2. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.

### Sources About The Hartford

3. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; What Is General Liability Insurance?; How Much Does General Liability Insurance Cost?; Key Coverages; Examples of General Liability Coverage; Bundle It All With a BOP; Who Needs General Liability Insurance?. Accessed 2026-09-23.
4. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form. Accessed 2026-09-23.

Updated 2026-09-25. 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.

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