Lockton vs 
WithCoverage Product Liability Insurance
Lockton custom-places product liability and recall for manufacturers; WithCoverage audits consumer-brand product liability in about a business day.
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 1,2,3
What Is WithCoverage?
WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. Buyers can request a review of existing policies, compare insurance options and manage their program with its team. 6,7,8
What Is Product Liability Insurance?
Product liability insurance addresses liability for injury or damage associated with a defective product that a business manufactures, wholesales, distributes or sells. 12,13,14,15
Key Differences in Product Liability Insurance
Custom Placement Versus a Program Audit
Lockton brokers product liability by designing custom structures with insurers across the global market. WithCoverage reviews product-liability exposure as part of a consumer-brand insurance-program audit and can place or transition the coverage without requiring a client to leave its current broker. 4 9
Manufacturer and Consumer-Products Clients Versus CPG Stewardship
Lockton names global manufacturers, business-to-business service providers and consumer products companies, plus REITs, contractors and healthcare companies. WithCoverage’s risk-advisors page describes a team member who stewards CPG and manufacturing accounts, negotiating directly with carriers. 4 10
Product Recall on the Same Menu Versus Recall Named in Audit Work
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. WithCoverage’s consumer page names product liability, recall, and cargo together in its hero, and its risk-advisors page says strategic counsel extends to Product Recall Risk Mitigation reviews. 4 9 10
What to Confirm in Product Liability Insurance Quotes
- Ask Lockton whether recall expense coverage is quoted with liability. 4
- Send WithCoverage current policies if you want an audit of an in-force program. 9
- Ask WithCoverage whether a Product Recall Risk Mitigation review is in scope. 10
- Get issuing insurers from both; neither reviewed page names them. 4 9
Offering Details
Lockton vs WithCoverage Product Liability Insurance: documented features by provider
| Criteria | Lockton General & Product Liability Insurance Brokerage | WithCoverage Product Liability Program Review (Consumer) |
|---|---|---|
| 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. 4Company-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. 9,11Company-reported. Consumer industry page hero and FAQ; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations. |
| Issuing Insurer | Neither page names the insurers Lockton places product liability coverage with. 4,5Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23. | The reviewed pages do not name which insurer or insurers WithCoverage places product liability coverage with. 9Not found in reviewed sources. Consumer industry page as read on 2026-09-23. |
| 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. 4Company-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. 10Company-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. 4Company-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. 9Company-reported. Consumer industry page hero and FAQ. |
| How to Apply | Not described in the reviewed sources. | WithCoverage offers a no-cost program audit that includes product liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. 9Company-reported. Consumer page FAQ. |
Full Comparison
More Lockton vs WithCoverage Comparisons
Other Product Liability Insurance Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- US > General & Product Liability. Lockton; Tailored solutions intro; industries named (global manufacturer, business-to-business service provider, consumer products company, REIT, contractor, healthcare company); liability solutions list including Product liability and Product recall. Accessed 2026-09-23.
- Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation. Accessed 2026-09-23.
WithCoverage
- Commercial Insurance & Risk Management. WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
- About WithCoverage. WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
- WithCoverage Raises $42M Series B. WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
- Consumer Insurance & Risk Management. WithCoverage; Hero: "One gap in product liability, recall, or cargo coverage can wipe out a season of growth"; Have Questions? program-audit FAQ listing Product Liability among reviewed policies. Accessed 2026-09-23.
- Commercial Risk Advisor Careers. WithCoverage; Oscar spotlight: steward of CPG and manufacturing accounts, negotiating directly with carriers; strategic counsel extends to Product Recall Risk Mitigation reviews. Accessed 2026-09-23.
- Terms & Conditions. WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
