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

Lockton is a broker that designs custom program structures and keeps one dedicated service team through placement; WithCoverage audits your current program at no cost, general liability included, typically in about one business day.

Lockton designs new general liability programs for global manufacturers and other large accounts, while WithCoverage reviews general liability coverage clients already hold, naming construction and restaurants as the industries it audits. ^1,^3,^4,⁵

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

Building a Program Versus Reviewing One

Lockton's general liability page describes designing custom program structures for commercial clients using insurers across the global market. ¹ WithCoverage instead describes reviewing general liability coverage a client already holds as part of a broader insurance-program audit, naming construction and restaurants as industries it serves. ³ ⁴

Who Each One Names as Its Market

Lockton names global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. ¹ WithCoverage instead names general liability specifically in its page hero for two industries, construction and restaurants, framing a coverage gap in the line as a risk to a year of project profit or a year of service revenue. ³ ⁴

Continuity With an Existing Broker

Lockton's casualty pages describe a dedicated service team that stays with clients through placement, implying an ongoing brokerage relationship. ² WithCoverage instead says its program audit does not require a client to leave its current broker, positioning the review as a check rather than a switch. ³

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

Ask Lockton which insurers it can place your account with, since its reviewed pages name none. ¹
Ask WithCoverage which insurer or insurers it would place your general liability coverage with if the audit recommends a change; its reviewed pages do not name one. ³
If you're outside construction or restaurants, ask WithCoverage whether its program audit covers your industry, since its named examples are limited to those two.
Ask Lockton for published limit figures, since its reviewed pages do not disclose them for general liability. ¹

Lockton vs WithCoverage General Liability Insurance Compared

Lockton vs WithCoverage: General Liability Insurance: documented features by provider

Criteria	Lockton General & Product Liability Insurance Brokerage	WithCoverage General Liability Program Review
Coverage Features	Lockton groups general liability brokerage with related casualty coverages it also places for the same clients: environmental impairment, medical malpractice, product recall and umbrella/excess liability, in addition to product liability itself. ¹Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.	General liability is explicitly listed among the policies WithCoverage says it reads and benchmarks during a program audit, and is named in the page hero for both construction and restaurant clients specifically. ^3,⁴Company-reported. Program-audit FAQ, repeated identically across WithCoverage's industry pages; hero copy on construction and restaurant pages.
Role in This Line	Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. ¹Company-reported. General & Product Liability page as read 2026-09-23.	WithCoverage is a broker, not an insurer; it reviews general liability coverage as part of a broader insurance-program audit across multiple industries it serves, including construction and restaurants, and can place or transition the coverage. ^3,^4,⁵Company-reported. Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations.
Risk Services	Lockton's casualty pages say clients keep the same dedicated service team throughout the placement process, which Lockton says helps it anticipate client needs and create accountability. ²Company-reported. Casualty product page as read 2026-09-23.	A named restaurant client, Bluestone Lane, is quoted saying WithCoverage saved it more than $139,000 on business insurance while the business grew year over year, and that WithCoverage's team of hospitality experts provides proactive advice. ⁴Company-reported. Customer testimonial on the restaurant industry page; describes the overall program including general liability, not a general-liability-only figure, and is a single client's self-reported experience.