Lockton vs 
Travelers General Liability Insurance
Lockton places general liability across insurers it does not name; Travelers underwrites the policy itself and offers industry-specific CGL variants.
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 1,2,3
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 6,7,8
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 10,11
Key Differences in General Liability Insurance
Broker Versus Carrier
Lockton designs custom general liability program structures for commercial clients, drawing on insurers across the global market rather than issuing its own form. 4 Travelers instead underwrites general liability insurance itself, as a standalone policy or as part of its Business Owner's Policy for small businesses. 9
Industry-Specific Programs
Lockton's general liability page names industries it serves, such as global manufacturers, REITs, contractors and healthcare companies, but describes one general solution rather than separate named products per industry. 4 Travelers takes a more granular approach to the same question:
Travelers markets general liability to any business that could face a bodily-injury or property-damage claim, with industry-specific variants such as EnergyPro CGL for oil and gas and Synergy for life sciences (medical device, pharmaceutical and digital health) companies. 9Company-reported. Product page "Who is general liability insurance right for?", oil and gas and life sciences sections.
Risk and Claims Services
Lockton says clients keep a dedicated service team throughout the placement process. 5 Travelers instead names a specific staffing figure for its own services, saying general liability customers can draw on more than 600 Risk Control consultants and a dedicated Claim team. 9
What to Confirm in General Liability Insurance Quotes
- Ask Lockton which insurers it can place your account with, since its reviewed pages name none. 4
- Ask Travelers whether your industry qualifies for a named variant like EnergyPro CGL or Synergy, or whether you'd be quoted under its general commercial form. 9
- Ask Travelers for actual limit and premium figures, since its reviewed page says cost varies by industry, risk exposure and claims history without publishing a range. 9
- If you need coverage across multiple states or a global operation, ask Lockton how it structures a program compared with buying directly from a single carrier like Travelers.
Offering Details
Lockton vs Travelers General Liability Insurance: documented features by provider
| Criteria | Lockton General & Product Liability Insurance Brokerage | Travelers General Liability Insurance |
|---|---|---|
| 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. 4Company-reported. General & Product Liability page as read 2026-09-23. | Travelers underwrites general liability insurance as a standalone policy or as part of its Business Owner's Policy for small businesses. 9Company-reported. Product page "How do I purchase general liability insurance?" FAQ. |
| Issuing Insurer | 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. |
| 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. 4Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix. | Travelers markets general liability to any business that could face a bodily-injury or property-damage claim, with industry-specific variants such as EnergyPro CGL for oil and gas and Synergy for life sciences (medical device, pharmaceutical and digital health) companies. 9Company-reported. Product page "Who is general liability insurance right for?", oil and gas and life sciences sections. |
| 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. 4Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. | Travelers says the policy typically provides premises liability, products liability, and personal and advertising injury liability (covering offenses such as slander, libel, wrongful eviction and advertising copyright infringement), plus liability of others assumed in specifically defined contracts. 9Company-reported. Product page "What is general liability insurance?" and "What does general liability insurance cover?" sections; exact terms and exclusions are set by the issued policy. Travelers says general liability does not cover claims related to the quality of your work or professional negligence, or theft of your own tools, equipment or inventory; it points to professional liability/E&O and commercial property or BOP coverage for those risks instead. 9Company-reported. Product page "Does general liability insurance cover all my legal risks?" and "Does general liability cover theft?" FAQs. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish standard general liability limits or premiums; it says cost varies by industry, risk exposure, location, claims history and other factors, and points buyers to a commercial umbrella policy for higher limits. 9Not publicly disclosed. Product page "How much does general liability business insurance cost?" FAQ. |
| 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. 5Company-reported. Casualty product page as read 2026-09-23. | Travelers says general liability customers can draw on more than 600 Risk Control consultants and a dedicated Claim team. 9Company-reported. Product page Risk Control and Claim sections. |
| How to Apply | Not described in the reviewed sources. | General liability is bought through a Travelers independent agent, who can customize coverage and help set up the policy. 9Company-reported. Product page "How do I purchase general liability insurance?" FAQ. |
Full Comparison
More Lockton vs Travelers Comparisons
Other General Liability Insurance Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- US > General & Product Liability. 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.
- Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- General Liability Insurance. Travelers; What is general liability insurance?; What does general liability insurance cover?; Travelers business owners policy (BOP) for small businesses; How does commercial general liability insurance differ from professional liability coverage?; How do I purchase general liability insurance? Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
