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

Lockton designs custom product liability structures for global manufacturers and consumer-products companies; WithCoverage suits consumer brands that want a no-cost program audit, typically about a business day, without leaving their broker.

Lockton serves global manufacturers and consumer-products companies with custom product-liability placements and lists product recall alongside the line. WithCoverage includes product liability in a no-cost consumer-brand program audit, usually completed about one business day after receiving policy documents. ^1,^3,⁴

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

Place a New Manufacturer Program or Review Current Coverage

Lockton names global manufacturers, B2B service providers and consumer-products businesses as clients for product liability, and builds custom structures with insurers across global markets. WithCoverage audits product liability for consumer brands and can review a policy without requiring you to leave your current broker. Choose Lockton if you are a manufacturer seeking a custom placement; choose WithCoverage if you are a consumer brand checking whether your current program meets your needs. ¹ ³

Ask Lockton About Product Recall Coverage

Lockton lists product recall alongside product liability. WithCoverage also identifies product liability and recall in its consumer-brand materials and describes product-recall risk-mitigation reviews, but those pages do not establish that an insurance policy or recall expense limit is part of its audit. Ask each provider whether you need separate recall coverage and what the proposed policy pays. ¹ ³ ⁴

Compare the Service and the Policy

Lockton describes custom insurance placements; WithCoverage says it can audit, place or transition product liability while letting you retain your current broker. Neither reviewed set identifies an issuing insurer or provides product-liability limits, so the actual quote determines who underwrites and what is covered. ¹ ³

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

Ask Lockton whether product recall is insured with liability or requires a separate policy. ¹
Send WithCoverage current policies and ask which product-liability terms its audit will compare. ³
Ask whether WithCoverage’s recall-risk-mitigation review includes a separate insurance placement. ⁴
Get the issuing insurer, limits and exclusions in writing for each policy. ¹ ³

Lockton vs WithCoverage Product Liability Insurance Compared

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

Criteria	Lockton General & Product Liability Insurance Brokerage	WithCoverage Product Liability Program Review (Consumer)
Who It’s For	Lockton says it serves global manufacturers, business-to-business service providers and consumer products companies among others on this page — the segments most exposed to product liability risk — alongside REITs, contractors and healthcare companies. ¹Company-reported. General & Product Liability page as read 2026-09-23. Example industries, not a complete eligibility matrix.	WithCoverage's risk-advisors page describes a team member who stewards CPG and manufacturing accounts, negotiating directly with carriers, indicating product liability work is concentrated in consumer-packaged-goods and manufacturing clients. ⁴Company-reported. Risk-advisors Oscar spotlight.
Coverage Features	Lockton lists product recall coverage alongside product liability on the same page, meaning a manufacturer client can have Lockton place both the liability program and a related recall-expense program. ¹Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.	Product liability is explicitly named in both the consumer page's hero and its itemized program-audit scope, one of the few lines confirmed consistently in both places on that page. ³Company-reported. Consumer industry page hero and FAQ.
Role in This Line	Lockton lists product liability on its General & Product Liability page and brokers it rather than underwriting it, designing custom structures with 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 product liability exposure as part of a consumer-brand insurance-program audit and can place or transition the coverage on a client's behalf. ^3,⁵Company-reported. Consumer industry page hero and FAQ; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations.