---
title: "Lockton vs WithCoverage Product Liability Insurance"
description: "Lockton custom-places product liability and recall for manufacturers; WithCoverage audits consumer-brand product liability in about a business day."
canonical: "https://spot.insure/compare/lockton-vs-withcoverage/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Lockton and WithCoverage for Product Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Lockton brokers product liability with custom global structures and lists product recall on the same page. WithCoverage reviews product liability in a no-cost consumer-brand program audit, typically completed in about one business day after receiving policy documents. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## 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](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [7](https://www.withcoverage.com/company "About WithCoverage") [8](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B")

[WithCoverage profile](https://spot.insure/insurance-providers/withcoverage)

## 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](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [14](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [15](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management")

### 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

### 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")

## What to Confirm in Product Liability Insurance Quotes

- Ask Lockton whether recall expense coverage is quoted with liability. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability")
- Send WithCoverage current policies if you want an audit of an in-force program. [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management")
- Ask WithCoverage whether a Product Recall Risk Mitigation review is in scope. [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers")
- Get issuing insurers from both; neither reviewed page names them. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management")

## Offering Details

| 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. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") [11](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: 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](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Not found in reviewed sources; scope: 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. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [10](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/products-services/general-product "US > General & Product Liability") (Evidence: Company-reported; scope: 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. [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Company-reported; scope: 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. [9](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Company-reported; scope: Consumer page FAQ..) |

## Full Comparison

- [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage): all coverage lines, business roles, service and claims.
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability insurance addresses injury or damage claims involving defective products your business makes, distributes or sells.
- [Lockton vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/lockton-vs-withcoverage/commercial-property)
- [Lockton vs WithCoverage General Liability Insurance](https://spot.insure/compare/lockton-vs-withcoverage/general-liability)
- [Lockton vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-withcoverage/workers-compensation)
- [Alliance Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/product-liability)
- [Alliance Risk vs WithCoverage Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/product-liability)
- [Amelia Risk vs Lockton Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/product-liability)
- [Amelia Risk vs WithCoverage Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-withcoverage/product-liability)
- [Beazley vs Lockton Product Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/product-liability)
- [Beazley vs WithCoverage Product Liability Insurance](https://spot.insure/compare/beazley-vs-withcoverage/product-liability)

## Sources

### Lockton

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. [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.
4. [US > General & Product Liability](https://global.lockton.com/us/en/products-services/general-product). 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.
5. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation. Accessed 2026-09-23.

### WithCoverage

6. [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.
7. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
8. [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.
9. [Consumer Insurance & Risk Management](https://www.withcoverage.com/industries/consumer). 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.
10. [Commercial Risk Advisor Careers](https://www.withcoverage.com/risk-advisors). 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.
11. [Terms & Conditions](https://www.withcoverage.com/legal/terms). WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.

### Product Liability Insurance Guide

12. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
13. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/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.
14. [Product liability, recall and contamination insurance](https://www.iii.org/article/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.
15. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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