--- title: "Lockton vs USI" description: "How two U.S. middle-market brokers compare, including USI’s announced Aon transaction versus Lockton’s private ownership." canonical: "https://spot.insure/compare/lockton-vs-usi" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Lockton", "USI Insurance Services"] --- [Human-readable page](https://spot.insure/compare/lockton-vs-usi) # Lockton vs USI How two U.S. middle-market brokers compare, including USI’s announced Aon transaction versus Lockton’s private ownership. ## Research Scope and Use Use this comparison to evaluate Lockton and USI Insurance Services against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Lockton is a privately held broker with a technology practice and inquiry intake. USI is a U.S. brokerage and consulting firm for middle-market property and casualty, benefits and retirement; Aon has announced an agreement to acquire USI, which is not the same as a completed merger or a named policy insurer. [20](https://global.lockton.com/us/en/our-story "Our Story") [2](https://global.lockton.com/us/en/technology "Technology") [24](https://www.usi.com/about-usi "The Power of ONE") [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") ## Introduction Lockton presents private ownership as central to how it works with clients. [20](https://global.lockton.com/us/en/our-story "Our Story") USI describes nationwide middle-market brokerage, a technology practice, and USI ONE service brands. On 31 August 2026 Aon announced a definitive agreement to acquire USI, with closing then still expected later; treat that as pending unless your engagement papers say otherwise. [24](https://www.usi.com/about-usi "The Power of ONE") [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") A 200-person company running a request for proposal between two large brokers for cyber, directors and officers (D&O) liability, casualty and benefits should diligence **who the contracting producer will be during and after any Aon close**, versus Lockton remaining privately held on its own telling. Service platforms are feature claims, not outcome scores. [25](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [1](https://global.lockton.com/us/en "Lockton United States") ## Documented Provider Strengths ### Lockton - Lockton describes itself as a privately held independent broker for risk, employee benefits and retirement, not as the insurer on the policies it places. [1](https://global.lockton.com/us/en "Lockton United States") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [20](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.) - US pages list brokerage for cyber and privacy, directors and officers, casualty (including general and product liability, auto, cargo, umbrella and workers’ compensation), property, fiduciary liability and employee benefits. [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.) ### USI Insurance Services - USI’s Technology practice says it works with software, hardware and related companies from early seed stage through IPO. [24](https://www.usi.com/about-usi "The Power of ONE") [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.) - USI says it is customarily paid insurer commissions and may receive additional contingent compensation, with details available on request. [30](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Lockton | USI Insurance Services | | --- | --- | --- | | Cargo and transit | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") | | Commercial auto | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | Commercial property | Listed [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") | Listed [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | Crime | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed [33](https://www.usi.com/property-casualty/business-services/ "Business Services") [39](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") | | Cyber liability | Listed [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [2](https://global.lockton.com/us/en/technology "Technology") | Listed [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [37](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | Directors and officers | Listed [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://global.lockton.com/us/en/technology "Technology") | Listed [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [33](https://www.usi.com/property-casualty/business-services/ "Business Services") [39](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") | | Employee health and benefits | Listed [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") | Listed [36](https://www.usi.com/employee-benefits "Employee Benefits") [34](https://www.usi.com/property-casualty/private-equity "Private Equity") | | Employment practices liability | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed [33](https://www.usi.com/property-casualty/business-services/ "Business Services") [39](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") | | Fiduciary liability | Listed [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") | Listed [33](https://www.usi.com/property-casualty/business-services/ "Business Services") [39](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") | | General liability | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | Key person | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed | | Kidnap and ransom | Not listed | Listed [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | Management liability | Not listed | Listed [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [39](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") | | Medical malpractice | Not listed | Listed [35](https://www.usi.com/property-casualty/healthcare/ "Healthcare") | | Product liability | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | Professional liability / E&O | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | Representations and warranties | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed [34](https://www.usi.com/property-casualty/private-equity "Private Equity") | | Surety bonds | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed [35](https://www.usi.com/property-casualty/healthcare/ "Healthcare") | | Technology errors and omissions | Not listed | Listed [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [38](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/ "Protect Your Organization From Increasing Third-Party Cyber Exposures") | | Umbrella and excess liability | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | Workers’ compensation | Listed [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Lockton and USI ### Ownership Trajectory Ask USI which legal entity and service team will run the account if the Aon deal closes, and whether compensation disclosures change. Lockton’s independence language does not by itself prove better terms. [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") [20](https://global.lockton.com/us/en/our-story "Our Story") ### How You Engage Both use inquiry inboxes rather than public bind. USI points technology and property and casualty questions to pcinquiries@usi.com or local offices. Lockton uses Ask an Expert and practice emails. [24](https://www.usi.com/about-usi "The Power of ONE") [12](https://global.lockton.com/us/en/contact-us "Contact Us") ### Compensation and Named Products USI says compensation is customarily insurer commission unless negotiated, plus possible extra amounts. Lockton lists commission, client fees and contingents. Request matching exhibits. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") USI publishes a claims kit and cyber products such as PrivaSafe as described offerings. [41](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") [37](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") Named product brands are not coverage. [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") ## What to Confirm in Quotes - **Producer entity and any Aon-related transition** on USI paper. [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") - **Markets approached** for technology lines; both firms leave issuers unnamed on public product pages. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") - **Written compensation** on the same lines. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ## Service Comparison Lockton vs USI: documented services and availability. | Criteria | Lockton | USI Insurance Services | | --- | --- | --- | | Business role | Lockton’s US site describes the firm as an independent insurance brokerage that arranges customized risk, employee benefits and retirement solutions. US Terms of Business treat Lockton Companies, LLC and affiliated Lockton companies as intermediaries that market, place and service insurance, not as the risk-bearing insurer on a placed policy. [1](https://global.lockton.com/us/en "Lockton United States") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [20](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)

Public US terms name Lockton Companies, LLC (and Series, subsidiaries and affiliates) as the brokerage group and Lockton, Inc. as the website operator. Certificates produced by Lockton also use the California DBA Lockton Insurance Brokers, LLC. Confirm the legal name on any broker-of-record or services agreement; these pages do not by themselves establish which entity would be appointed for a California company. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [21](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.)

Lockton-produced certificates print California license number 0F15767 for Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC. Current license status, classes and expiration remain independently unverified. Treat California producer authority as unresolved until a regulator record or the proposed engagement papers are checked. [21](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [22](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; verified: 2026-09-16.) | USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. [24](https://www.usi.com/about-usi "The Power of ONE") [23](https://www.usi.com/ "Insurance Brokerage and Consulting") [30](https://www.usi.com/commissions-fees/ "Commissions and Fees") [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.; verified: 2026-09-16.)

USI’s commissions page states that, as a licensed insurance producer, it may advise on insurance contracts, sell insurance, and obtain coverages for clients. Privacy and staff materials identify the operating company as USI Insurance Services LLC. Current California producer-license status remains independently unverified. [30](https://www.usi.com/commissions-fees/ "Commissions and Fees") [29](https://www.usi.com/privacy/ "Privacy") [44](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") (Evidence: Company-reported; scope: Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.; verified: 2026-09-16.)

On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; verified: 2026-09-16.) | | Application process | Public US application starts as an inquiry: the US contact form (Ask an Expert) and industry pages invite buyers to connect with a team. The privacy notice refers to soliciting an insurance policy quote. The Cyber & Technology page publishes cyber@lockton.com. Reviewed pages do not describe a self-serve bind flow, published quote turnaround, or an unauthenticated online application that issues a policy without a Lockton representative. [12](https://global.lockton.com/us/en/contact-us "Contact Us") [1](https://global.lockton.com/us/en "Lockton United States") [15](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) | USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [27](https://www.usi.com/contact-us/ "Contact Us") [39](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Public inquiry paths as of access date. Not an application completeness or speed claim.; verified: 2026-09-16.) | | Fees and compensation | US Terms of Business say Lockton may be paid insurer commissions (a percentage of premium), negotiated client fees in lieu of or in addition to commissions, additional compensation such as contingent or supplemental commissions, insurer service fees (including for some managing-general-agency or analytics work), compensation involving affiliate Lockton Re, LLC on reinsurance placements, and interest or premium-finance related income. Commissions are described as fully earned at inception unless law or insurer contracts say otherwise. The terms tell clients to ask their Lockton representative for account-specific compensation. No public fee schedule, commission percentages or typical startup pricing appears on the reviewed pages. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; verified: 2026-09-16.) | Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. [30](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) | | Servicing and renewals | Casualty pages say the same dedicated service team stays with the client through the process. Technology pages describe a round-the-clock service model. Terms of Business cover day-to-day servicing, risk control, insurance renewal services, policy administration and the use of intermediaries (including Lockton affiliates) in servicing and placement. Property pages say the team that meets the client also negotiates with markets rather than a remote broking center. A public client-portal feature list was not established beyond a Lockton Portal login link on the US site. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [2](https://global.lockton.com/us/en/technology "Technology") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [1](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) | USI describes USI ONE as a proprietary consultative process that combines Omni analytics, a national network of specialists, and an enterprise planning process. Technology and P&C pages say clients receive tailored recommendations aimed at total cost of risk. Those are company descriptions of advisory method, not independently verified service outcomes. [25](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Company-described brokerage and consulting process. Savings or outcome figures in case studies are not adopted as independent findings.; verified: 2026-09-16.)

USI PATH is described as a proprietary risk-control platform that presents industry loss drivers, improvement areas by coverage line, and curated vendor solutions with preferred pricing and ROI projections. The homepage also markets PATH as guiding clients through risk control from identifying sources of loss to targeting solutions. Performance, ROI, and premium-reduction claims on those pages are company-reported. [40](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/ "Reduce Claims and Costs by Optimizing Your Risk Control") [23](https://www.usi.com/ "Insurance Brokerage and Consulting") (Evidence: Company-reported; scope: Risk-control tool as marketed. Access for a given client is not specified on the public pages.; verified: 2026-09-16.) | | Claims assistance | Lockton describes claims advocacy as a service, not as the insurer paying claims. Technology, D&O and fiduciary pages say a Professional & Executive Risk Claims team, including insurance and claims counsel, is integrated with the broking team and that claims advocacy is not treated as a profit center. Loss-prevention pages describe claims consulting: investigations, mapping facts to policies, preparing presentations, and discussions with insurer lawyers and loss adjusters. Workers’ compensation pages mention claims service advocates. Terms of Business include claims handling and claims processing among Lockton’s intermediary services and state Lockton is not responsible for an insurer’s solvency or willingness to pay. These descriptions do not establish claims outcomes or handling quality. [2](https://global.lockton.com/us/en/technology "Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; verified: 2026-09-16.) | USI’s contact page tells people seeking claims assistance to contact the appropriate USI office. A May 2021 claims kit instructs clients to report property, workers’ compensation, general liability, and commercial auto claims to the insurance company, and to involve the USI account team or claims consultant for environmental, executive/management liability, professional liability/E&O, and cyber. Natural-disaster guidance likewise points commercial P&C clients to their claims representative or client service team. The materials describe reporting assistance, not claims-handling quality or authority to settle. [27](https://www.usi.com/contact-us/ "Contact Us") [41](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") [42](https://www.usi.com/natural-disaster-planning "Natural Disaster Planning") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Public claims-reporting instructions. The 2021 kit may not reflect every current account’s reporting rules.; verified: 2026-09-16.) | ## Related Reading - [What Is Lockton?](https://spot.insure/insurance-providers/lockton) - [What Is USI Insurance Services?](https://spot.insure/insurance-providers/usi) ## Related Comparisons - [Alliance Risk vs Lockton](https://spot.insure/compare/alliance-risk-vs-lockton) - [Alliance Risk vs USI](https://spot.insure/compare/alliance-risk-vs-usi) - [Amelia Risk vs Lockton](https://spot.insure/compare/amelia-risk-vs-lockton) - [Amelia Risk vs USI](https://spot.insure/compare/amelia-risk-vs-usi) - [Armilla vs Lockton](https://spot.insure/compare/armilla-vs-lockton) - [Armilla vs USI](https://spot.insure/compare/armilla-vs-usi) - [At-Bay vs Lockton Insurance](https://spot.insure/compare/at-bay-vs-lockton) - [At-Bay vs USI Insurance Services Insurance](https://spot.insure/compare/at-bay-vs-usi) - [Beazley vs Lockton](https://spot.insure/compare/beazley-vs-lockton) - [Beazley vs USI](https://spot.insure/compare/beazley-vs-usi) - [CFC vs Lockton](https://spot.insure/compare/cfc-vs-lockton) - [CFC vs USI Insurance Services](https://spot.insure/compare/cfc-vs-usi) - [Chubb vs Lockton](https://spot.insure/compare/chubb-vs-lockton) - [Chubb vs USI](https://spot.insure/compare/chubb-vs-usi) - [Coalition vs Lockton](https://spot.insure/compare/coalition-vs-lockton) - [Coalition vs USI Insurance Services](https://spot.insure/compare/coalition-vs-usi) - [Corgi vs Lockton](https://spot.insure/compare/corgi-vs-lockton) - [Corgi vs USI](https://spot.insure/compare/corgi-vs-usi) - [Coterie vs Lockton](https://spot.insure/compare/coterie-vs-lockton) - [Coterie vs USI](https://spot.insure/compare/coterie-vs-usi) - [Coverdash vs Lockton](https://spot.insure/compare/coverdash-vs-lockton) - [Coverdash vs USI](https://spot.insure/compare/coverdash-vs-usi) - [Cowbell vs Lockton](https://spot.insure/compare/cowbell-vs-lockton) - [Cowbell vs USI](https://spot.insure/compare/cowbell-vs-usi) - [Embroker vs Lockton](https://spot.insure/compare/embroker-vs-lockton) - [Embroker vs USI](https://spot.insure/compare/embroker-vs-usi) - [Founder Shield vs Lockton](https://spot.insure/compare/foundershield-vs-lockton) - [Founder Shield vs USI](https://spot.insure/compare/foundershield-vs-usi) - [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton) - [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi) - [Harper vs Lockton](https://spot.insure/compare/harper-vs-lockton) - [Harper vs USI](https://spot.insure/compare/harper-vs-usi) - [Heffernan vs Lockton](https://spot.insure/compare/heffernan-vs-lockton) - [Heffernan vs USI](https://spot.insure/compare/heffernan-vs-usi) - [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton) - [Hiscox vs USI](https://spot.insure/compare/hiscox-vs-usi) - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) - [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi) - [Kinro vs Lockton](https://spot.insure/compare/kinro-vs-lockton) - [Kinro vs USI](https://spot.insure/compare/kinro-vs-usi) - [Layr vs Lockton](https://spot.insure/compare/layr-vs-lockton) - [Layr vs USI](https://spot.insure/compare/layr-vs-usi) - [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh) - [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo) - [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront) - [Lockton vs ERGO NEXT](https://spot.insure/compare/lockton-vs-next-insurance) - [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance) - [Lockton vs Relm](https://spot.insure/compare/lockton-vs-relm) - [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience) - [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube) - [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics) - [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance) - [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance) - [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford) - [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers) - [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch) - [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage) - [Marsh vs USI](https://spot.insure/compare/marsh-vs-usi) - [Mylo vs USI](https://spot.insure/compare/mylo-vs-usi) - [Newfront vs USI](https://spot.insure/compare/newfront-vs-usi) - [ERGO NEXT vs USI](https://spot.insure/compare/next-insurance-vs-usi) - [Pie Insurance vs USI](https://spot.insure/compare/pie-insurance-vs-usi) - [Relm vs USI](https://spot.insure/compare/relm-vs-usi) - [Resilience vs USI](https://spot.insure/compare/resilience-vs-usi) - [RiskCube vs USI Insurance Services](https://spot.insure/compare/riskcube-vs-usi) - [Risklytics vs USI](https://spot.insure/compare/risklytics-vs-usi) - [StartupInsurance.ai vs USI](https://spot.insure/compare/startupinsurance-vs-usi) - [TechInsurance vs USI Insurance Services](https://spot.insure/compare/techinsurance-vs-usi) - [The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi) - [Travelers vs USI](https://spot.insure/compare/travelers-vs-usi) - [USI vs Vouch](https://spot.insure/compare/usi-vs-vouch) - [USI vs WithCoverage](https://spot.insure/compare/usi-vs-withcoverage) ## Sources ### [Lockton Official Website](https://global.lockton.com/us/en) 1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16. 2. [Technology](https://global.lockton.com/us/en/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. 3. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16. 4. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16. 5. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers compensation; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team. Accessed 2026-09-16. 6. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery; no centralized broking centers claim. Accessed 2026-09-16. 7. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16. 8. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16. 9. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16. 10. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities list including D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person, and benefits design. Accessed 2026-09-16. 11. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16. 12. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16. 13. [US Terms of Business](https://global.lockton.com/us/en/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. 14. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16. 15. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16. 16. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16. 17. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16. 18. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16. 19. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16. 20. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16. 21. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16. 22. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry landing page; interactive lookup not completed with a returned license detail record in this research pass. Accessed 2026-09-16. ### [USI Insurance Services Official Website](https://www.usi.com) 23. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16. 24. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 25. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16. 26. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16. 27. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16. 28. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16. 29. [Privacy](https://www.usi.com/privacy/). USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16. 30. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 31. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16. 32. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16. 33. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16. 34. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16. 35. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16. 36. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16. 37. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description; no contracting insurer named. Accessed 2026-09-16. 38. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/). USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16. 39. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16. 40. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16. 41. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16. 42. [Natural Disaster Planning](https://www.usi.com/natural-disaster-planning). USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16. 43. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16. 44. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/lockton-vs-usi.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)