---
title: "Lockton vs WithCoverage"
description: "How Lockton’s commission-and-fee brokerage terms compare with WithCoverage’s published fee-based placement model and broker-transfer process."
canonical: "https://spot.insure/compare/lockton-vs-withcoverage"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Lockton", "WithCoverage"]
---

[Human-readable page](https://spot.insure/compare/lockton-vs-withcoverage)

# Lockton vs WithCoverage

How Lockton’s commission-and-fee brokerage terms compare with WithCoverage’s published fee-based placement model and broker-transfer process.

## Research Scope and Use

Use this comparison to evaluate Lockton and WithCoverage 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 discloses insurer commissions, optional client fees and contingent compensation. WithCoverage markets a fee model, competitive placement and a structured review, including a broker-of-record transfer path, for growing businesses including technology accounts. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [2](https://global.lockton.com/us/en/technology "Technology") [30](https://www.withcoverage.com/solution "Risk Management & Commercial Insurance Solution") [25](https://www.withcoverage.com/legal/terms "Terms & Conditions")



## Introduction

Lockton is a privately held broker that may be paid by insurers or by the client, including contingent amounts that are hard to tie to one policy. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") WithCoverage describes fee-based work, savings presentation rules, and an initial review that can lead to a master application and market competition. [30](https://www.withcoverage.com/solution "Risk Management & Commercial Insurance Solution") [25](https://www.withcoverage.com/legal/terms "Terms & Conditions")

A company whose board wants a written fee for brokerage work rather than relying only on insurer commissions is comparing **published fee mechanics** with **Lockton’s commission, fee and contingent categories**. Whether Lockton will work on a fee-primary basis has to be in the engagement papers. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

## 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.)

### WithCoverage

- An initial policy audit can start while you retain your existing broker, comparing coverage, limits and premiums with market benchmarks. [26](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") (Evidence: Company-reported; scope: Company-reported no-cost/no-agreement initial steps and assessment timing, not a quote, binding or service-level guarantee.; verified: 2026-09-15.)
- WithCoverage describes a named risk manager handling renewals, certificates and account questions, backed by a broader specialist team. [29](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") [23](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") (Evidence: Company-reported; scope: Company service descriptions, not observed client results or a response-time contract. COI means certificate of insurance.; verified: 2026-09-15.)

## Coverage Comparison

| Coverage Type | Lockton | WithCoverage |
| --- | --- | --- |
| Builders risk | Not listed | Listed [28](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") |
| Cargo and transit | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [27](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") |
| Commercial auto | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Not listed |
| Commercial property | Listed [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") | Listed [28](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") |
| Crime | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed |
| Cyber liability | Listed [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [2](https://global.lockton.com/us/en/technology "Technology") | Listed [26](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") |
| 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 [26](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") |
| Employee health and benefits | Listed [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") | Not listed |
| 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") | Not listed |
| Fiduciary liability | Listed [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") | Not listed |
| General liability | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [28](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [29](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") |
| 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 |
| Liquor liability | Not listed | Listed [29](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") |
| Product liability | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [27](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") |
| Product recall | Not listed | Listed [27](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") |
| 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 [26](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") |
| 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") | Not listed |
| Surety bonds | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed |
| Umbrella and excess liability | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [28](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") |
| 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 [28](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [29](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") |

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 WithCoverage

### How the Broker Gets Paid

WithCoverage markets a fee model. Lockton’s Terms of Business list insurer commissions, optional client fees and contingent compensation. WithCoverage’s savings figures, where shown, have a published presentation scope and are not a guaranteed reduction versus Lockton. Ask both for a written compensation exhibit. [30](https://www.withcoverage.com/solution "Risk Management & Commercial Insurance Solution") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

### Getting Started and Leaving

WithCoverage documents a review request, possible broker-of-record transfer, and master application. Lockton documents Ask an Expert. [25](https://www.withcoverage.com/legal/terms "Terms & Conditions") [12](https://global.lockton.com/us/en/contact-us "Contact Us") WithCoverage publishes exit terms and a legal-service boundary. Lockton’s terms limit extra-contractual duties except as law requires. Read both before relying on “trusted advisor” language. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

### Technology Labels

WithCoverage’s technology page and Lockton’s practice pages list familiar cyber and D&O labels. Those labels are catalogues, not proof that the same form will be offered. [26](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") [2](https://global.lockton.com/us/en/technology "Technology")

## What to Confirm in Quotes

- **Fee versus commission** on each line, including Lockton contingents. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [30](https://www.withcoverage.com/solution "Risk Management & Commercial Insurance Solution")
- **Broker-of-record transfer** mechanics if leaving an incumbent. [25](https://www.withcoverage.com/legal/terms "Terms & Conditions")
- **Technology coverage list** on each proposal—labels only until forms arrive. [26](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") [2](https://global.lockton.com/us/en/technology "Technology")
- **Savings methodology** if WithCoverage presents a comparison number. [30](https://www.withcoverage.com/solution "Risk Management & Commercial Insurance Solution")



## Service Comparison

Lockton vs WithCoverage: documented services and availability.

| Criteria | Lockton | WithCoverage |
| --- | --- | --- |
| 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.)<br><br>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.)<br><br>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.) | WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. You can have existing policies reviewed, compare insurance options and manage the program with its team. [23](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [24](https://www.withcoverage.com/company "About WithCoverage") [31](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B") (Evidence: Company-reported; scope: Business/service description; not a statement that the brand bears insured risk or a verified service outcome.; verified: 2026-09-15.)<br><br>The terms name With Coverage Inc. and With Coverage Insurance Services LLC. The latter also appears in a Mississippi corporate filing under insurance agencies and brokerages. These identify the business entities; the terms assign policy obligations to the issuing insurer. [25](https://www.withcoverage.com/legal/terms "Terms & Conditions") [36](https://corp.sos.ms.gov/corpconv/portal/c/ExecuteWorkflow.aspx?FilingId=931dea05-c719-4332-b9ed-52e515759e31&workflowid=g12dbd558-fa5d-49a1-a869-ad8b9db198db "With Coverage Insurance Services LLC — Foreign LLC Filing") (Evidence: Company-reported; scope: Exact spaced legal names from terms; historical 2023 corporate filing independently supports LLC identity and declared business category, not current insurance authorization. No group subsidiary relationship asserted from current terms.; verified: 2026-09-15.) |
| 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.) | WithCoverage offers an initial policy audit without requiring you to leave your broker. It says the review compares existing coverage, limits and premiums with market benchmarks. Its technology FAQ puts the assessment at usually one business day after receiving policy documents, with longer timing for multiple entities or locations. [26](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") (Evidence: Company-reported; scope: Company-reported no-cost/no-agreement initial steps and assessment timing, not a quote, binding or service-level guarantee.; verified: 2026-09-15.)<br><br>The public review form starts with contact details and then asks about the company, industry and annual insurance spending. It requests a conversation about your program; it does not display an insurance price. [26](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") (Evidence: Company-reported; scope: Empty technology-page form and rendered company-step fields inspected in Chrome. No information entered, step advanced or form submitted; no authenticated application tested.; verified: 2026-09-15.)<br><br>The portfolio page describes appointing WithCoverage on existing policies by signing a broker-of-record letter. This changes your broker, not the policy itself. The page says the transfer has no additional charge. [32](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") (Evidence: Company-reported; scope: Live portfolio page, footer notes [1] and [3]. Narrow switching-cost statement; not zero ongoing fees, a completed insurer acceptance, or cancellation/replacement of existing insurance.; verified: 2026-09-15.)<br><br>For its portfolio offering, WithCoverage describes a digital application transferred into insurers’ applications and an advisor-prepared comparison of options. [32](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") (Evidence: Company-reported; scope: Portfolio-specific description; not guaranteed for every business or product and not an observed authenticated workflow.; verified: 2026-09-15.)<br><br>At the time of research, the page linked as Privacy Policy displayed the terms-of-service text rather than a separate detailed privacy notice. Before sharing policy or claims files, request the applicable privacy notice and document-retention terms. [37](https://www.withcoverage.com/legal/privacy "Privacy") (Evidence: Not found in reviewed sources; scope: Direct browser comparison of /legal/privacy and /legal/terms on 2026-09-15. Does not establish no privacy controls or unlawful processing.; verified: 2026-09-15.) |
| 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.) | WithCoverage says it typically agrees a flat fee before work begins, so compensation does not rise with the premium. Its consumer FAQ also allows commission-based arrangements. The public pages do not give a standard fee amount. [27](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Company-reported; scope: Consumer FAQ attributes some exceptions to client preference or state law. No independent legal finding that a jurisdiction requires commissions; no universal zero-commission conclusion.; verified: 2026-09-15.)<br><br>The terms allow premiums, commissions, installment, service, cancellation and flat fees disclosed with the service. A flat advisory fee therefore should not be read as an all-inclusive insurance price. [25](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: Terms section 9. Exact charges, payees and commission treatment are engagement-specific; the list does not mean every charge applies.; verified: 2026-09-15.)<br><br>The solution page advertises average savings of 20–40% for clients spending over $1 million annually on insurance and risk-management services. It does not provide the sample size, measurement period or calculation needed to establish a comparable result for your business. [30](https://www.withcoverage.com/solution "Risk Management & Commercial Insurance Solution") (Evidence: Company-reported; scope: Company marketing with explicit spending footnote. Not independently established savings; do not apply threshold as customer minimum.; verified: 2026-09-15.)<br><br>Industry pages show the same 20–40% figure as annual policy savings without repeating the solution page’s spending threshold. The broader presentation does not establish savings for smaller accounts. [30](https://www.withcoverage.com/solution "Risk Management & Commercial Insurance Solution") [26](https://www.withcoverage.com/industries/tech "Technology Insurance & Risk Management") [27](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Conflicting sources; scope: Different wording and scope presentation remain unresolved; preserve the narrower explicit threshold and withhold a universal conclusion.; verified: 2026-09-15.) |
| 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.) | WithCoverage describes a named risk manager backed by attorneys and claims specialists, handling renewals, certificates of insurance and account questions. Its platform brings policies, claims, certificates, exposures and renewal communications together. [29](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") [23](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") (Evidence: Company-reported; scope: Company service descriptions, not observed client results or a response-time contract. COI means certificate of insurance.; verified: 2026-09-15.)<br><br>The portfolio page says WithCoverage is not a law firm and does not provide legal services. Confirm what its attorneys’ involvement includes. [32](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") (Evidence: Company-reported; scope: Express portfolio footer qualification preserved beside favorable attorney-team description; no attorney-client relationship asserted.; verified: 2026-09-15.)<br><br>The portfolio page promises no fee to end its broker-of-record appointment and data return on request. Confirm the service agreement and separate policy cancellation charges. [32](https://www.withcoverage.com/offering-v2 "Private Equity Portfolio Risk Management") [25](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: Footer note [5] compared with current terms section 9. Ending broker appointment is not cancellation of an insurance policy; no claim that all fees are waived.; verified: 2026-09-15.)<br><br>Its advisor recruitment materials describe contract changes and larger deductibles as possible strategies. Ask which risks the proposal leaves with your business. [33](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: Company recruitment description of advisory strategies; larger retained risk is not necessarily an improvement for the buyer. No guaranteed suitability, price reduction or policy terms.; verified: 2026-09-15.) |
| 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.) | WithCoverage says its claims team, including attorneys, manages the claims process and recommends changes to reduce future exposure. That assistance is separate from the issuing insurer’s policy obligations and does not establish claims-payment speed or outcomes. [30](https://www.withcoverage.com/solution "Risk Management & Commercial Insurance Solution") [25](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: Solution page Manage Claims & Safety Procedures and terms section 8. No independently evaluated claims, no inference that advisory attorneys provide legal representation.; verified: 2026-09-15.) |

## Related Reading

- [What Is Lockton?](https://spot.insure/insurance-providers/lockton)
- [What Is WithCoverage?](https://spot.insure/insurance-providers/withcoverage)

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- [Coalition vs WithCoverage](https://spot.insure/compare/coalition-vs-withcoverage)
- [Corgi vs Lockton](https://spot.insure/compare/corgi-vs-lockton)
- [Corgi vs WithCoverage](https://spot.insure/compare/corgi-vs-withcoverage)
- [Coterie vs Lockton](https://spot.insure/compare/coterie-vs-lockton)
- [Coterie Insurance vs WithCoverage](https://spot.insure/compare/coterie-vs-withcoverage)
- [Coverdash vs Lockton](https://spot.insure/compare/coverdash-vs-lockton)
- [Coverdash vs WithCoverage](https://spot.insure/compare/coverdash-vs-withcoverage)
- [Cowbell vs Lockton](https://spot.insure/compare/cowbell-vs-lockton)
- [Cowbell vs WithCoverage](https://spot.insure/compare/cowbell-vs-withcoverage)
- [Embroker vs Lockton](https://spot.insure/compare/embroker-vs-lockton)
- [Embroker vs WithCoverage](https://spot.insure/compare/embroker-vs-withcoverage)
- [Founder Shield vs Lockton](https://spot.insure/compare/foundershield-vs-lockton)
- [Founder Shield vs WithCoverage](https://spot.insure/compare/foundershield-vs-withcoverage)
- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton)
- [Gallagher vs WithCoverage](https://spot.insure/compare/gallagher-vs-withcoverage)
- [Harper vs Lockton](https://spot.insure/compare/harper-vs-lockton)
- [Harper vs WithCoverage](https://spot.insure/compare/harper-vs-withcoverage)
- [Heffernan vs Lockton](https://spot.insure/compare/heffernan-vs-lockton)
- [Heffernan vs WithCoverage](https://spot.insure/compare/heffernan-vs-withcoverage)
- [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton)
- [Hiscox vs WithCoverage](https://spot.insure/compare/hiscox-vs-withcoverage)
- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton)
- [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage)
- [Kinro vs Lockton](https://spot.insure/compare/kinro-vs-lockton)
- [Kinro vs WithCoverage](https://spot.insure/compare/kinro-vs-withcoverage)
- [Layr vs Lockton](https://spot.insure/compare/layr-vs-lockton)
- [Layr vs WithCoverage](https://spot.insure/compare/layr-vs-withcoverage)
- [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 USI](https://spot.insure/compare/lockton-vs-usi)
- [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch)
- [Marsh vs WithCoverage](https://spot.insure/compare/marsh-vs-withcoverage)
- [Mylo vs WithCoverage](https://spot.insure/compare/mylo-vs-withcoverage)
- [Newfront vs WithCoverage](https://spot.insure/compare/newfront-vs-withcoverage)
- [ERGO NEXT Insurance vs WithCoverage](https://spot.insure/compare/next-insurance-vs-withcoverage)
- [Pie Insurance vs WithCoverage](https://spot.insure/compare/pie-insurance-vs-withcoverage)
- [Relm Insurance vs WithCoverage](https://spot.insure/compare/relm-vs-withcoverage)
- [Resilience vs WithCoverage](https://spot.insure/compare/resilience-vs-withcoverage)
- [RiskCube vs WithCoverage](https://spot.insure/compare/riskcube-vs-withcoverage)
- [Risklytics vs WithCoverage Insurance](https://spot.insure/compare/risklytics-vs-withcoverage)
- [StartupInsurance.ai vs WithCoverage](https://spot.insure/compare/startupinsurance-vs-withcoverage)
- [TechInsurance vs WithCoverage](https://spot.insure/compare/techinsurance-vs-withcoverage)
- [The Hartford vs WithCoverage](https://spot.insure/compare/the-hartford-vs-withcoverage)
- [Travelers Insurance vs WithCoverage](https://spot.insure/compare/travelers-vs-withcoverage)
- [USI vs WithCoverage](https://spot.insure/compare/usi-vs-withcoverage)
- [Vouch vs WithCoverage](https://spot.insure/compare/vouch-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.

### [WithCoverage Official Website](https://www.withcoverage.com)

23. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
24. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
25. [Terms & Conditions](https://www.withcoverage.com/legal/terms). WithCoverage; Last revised June 28, 2024; §1 entities; §§7–8 availability and insurer obligations; §9 fees and charges. Accessed 2026-09-15.
26. [Technology Insurance & Risk Management](https://www.withcoverage.com/industries/tech). WithCoverage; Opening coverage description; policy-review request form; Have Questions? answers on the audit, broker change and assessment timing. Accessed 2026-09-15.
27. [Consumer Insurance & Risk Management](https://www.withcoverage.com/industries/consumer). WithCoverage; Opening coverage description; Have Questions? answers on account management and flat-fee or commission compensation. Accessed 2026-09-15.
28. [Construction Insurance & Risk Management](https://www.withcoverage.com/industries/construction). WithCoverage; Opening coverage description; Have Questions? program-audit answer. Accessed 2026-09-15.
29. [Restaurant Insurance & Risk Management](https://www.withcoverage.com/industries/restaurants). WithCoverage; Opening coverage description; Have Questions? account-management answer. Accessed 2026-09-15.
30. [Risk Management & Commercial Insurance Solution](https://www.withcoverage.com/solution). WithCoverage; Measurable Impact savings figure and spending-threshold footnote; Develop Risk Management Plan; Manage Claims & Safety Procedures. Accessed 2026-09-15.
31. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
32. [Private Equity Portfolio Risk Management](https://www.withcoverage.com/offering-v2). WithCoverage; How We Earn Your Trust; One Master Application; Competitive Quoting Process; Policy Proposal and Comparison; footer notes [1]–[3] and [5]; no-legal-services disclosure. Accessed 2026-09-15.
33. [Commercial Risk Advisor Careers](https://www.withcoverage.com/risk-advisors). WithCoverage; The work: contract changes and retained-risk strategies; Carrier network: direct appointments, wholesale relationships and displayed market names. Accessed 2026-09-15.
34. [With Coverage Insurance Services LLC — Agent Listing](https://agents.libertymutual.com/find-an-agent/state/new-york/new-york/with-coverage-insurance-services-llc_9725925267). Liberty Mutual; Named New York agency listing; About us description of insurer access. Accessed 2026-09-15.
35. [Insurance Licenses By State](https://www.withcoverage.com/licenses). WithCoverage; Licenses by state table, including Massachusetts 3002802342 and Maine AGN462479. Accessed 2026-09-15.
36. [With Coverage Insurance Services LLC — Foreign LLC Filing](https://corp.sos.ms.gov/corpconv/portal/c/ExecuteWorkflow.aspx?FilingId=931dea05-c719-4332-b9ed-52e515759e31&workflowid=g12dbd558-fa5d-49a1-a869-ad8b9db198db). Mississippi Secretary of State; Page 1, Business Information: entity name, Delaware organization date August 3, 2023, NAICS 524210; business ID 1410807, filed September 12, 2023. Accessed 2026-09-15.
37. [Privacy](https://www.withcoverage.com/legal/privacy). WithCoverage; Page titled Privacy; June 28, 2024 terms revision date; §§1–12 terms text, including §§2 and 4 on privacy and data collection. Accessed 2026-09-15.

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-withcoverage.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)