What Is Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 1,2,3
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 11,12,13
Key Differences in General Liability Insurance
Buyer and program fit
Lockton says its GL brokerage serves global manufacturers, B2B services, consumer-products companies, REITs, contractors and healthcare businesses, using insurers across the global market. Zurich lists general liability within its U.S. casualty portfolio and names a contractors’ captive as a specific program. A buyer with complex or cross-border operations should ask which markets and jurisdictions are in scope. 4 10
Service model
Lockton says clients keep a dedicated team through casualty placement. Zurich describes Risk Engineers and Claims support, with medical-management and legal services available across casualty solutions. Compare the ongoing brokerage contact Lockton describes with the technical and claims resources Zurich lists, and identify who will provide each service. 5 8
Policy terms
Lockton describes custom program structures but does not name the insurer for a placement. Zurich offers bundled and unbundled casualty solutions, though its reviewed pages do not name the insurer or set quote-specific limits. Ask each side for the carrier, policy schedule, limits and treatment of related product or umbrella exposures. 4 8
What to Confirm in General Liability Insurance Quotes
Lockton and Zurich U.S. Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Lockton Review Score
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsLockton vs Zurich U.S. General Liability Insurance Compared
Lockton vs Zurich U.S.: General Liability Insurance: documented features by provider
| Criteria | Lockton General & Product Liability Insurance Brokerage | Zurich General Liability Insurance |
|---|---|---|
| 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. 4Company-reported. General & Product Liability page as read 2026-09-23. | Zurich's domestic casualty page lists General Liability in its U.S. commercial casualty portfolio and describes both bundled and unbundled casualty solutions. 8Company-reported. Zurich U.S. company marketing. This does not identify the risk-bearing legal entity for a specific policy or establish that every coverage is available in every state. |
| Issuing Insurer | Neither page names the insurers Lockton places general liability coverage with. 4,5Not publicly disclosed. General & Product Liability and Casualty pages checked 2026-09-23. | The reviewed commercial casualty and program pages do not name the issuing insurer for a particular General Liability quote. 8,10Not publicly disclosed. Zurich U.S. markets through multiple insurance companies; confirm the entity shown on the quote and issued declarations. |
| Who It’s For | Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. 4Company-reported. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix. | Zurich lists General Liability in a commercial-trade-contractors captive program, a segment-specific example rather than a general eligibility statement for all Zurich liability placements. 10Company-reported. One company-described commercial contractors program. Its submission and underwriting requirements do not establish eligibility under other Zurich products or for a particular applicant. |
| 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. 4Company-reported. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy. | Zurich's commercial insurance overview describes general liability as addressing bodily injury, property damage, and personal-injury claims related to business premises or operations. 9Company-reported. High-level company description only; it is not an insuring agreement, and the issued policy defines covered claims, exclusions, conditions, and limits. |
| Limits and Retentions | Confirm in your quote. | The reviewed overview pages do not establish a buyer-specific General Liability limit, retention, or deductible. 8,9Not publicly disclosed. No amount is inferred from general product descriptions. The quote and issued policy determine the applicable limits and deductibles. |
| 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. 5Company-reported. Casualty product page as read 2026-09-23. | For its casualty solutions, Zurich describes support from Risk Engineers and its Claims team, with access to medical-management and legal services. 8Company-reported. Broad company-described casualty services; a quote or policy may define which services and claims contacts apply to the insured. |
| How to Apply | Confirm in your quote. | Zurich directs commercial buyers to talk with an agent or broker about its coverage. 9,7Company-reported. Company route for U.S. commercial insurance. The cited pages do not establish an online direct purchase flow or guarantee that a quoted line will be bound. |
Related Pages for Lockton vs Zurich U.S. General Liability Insurance
General Liability Insurance Pages for Lockton and Zurich U.S.
Other Coverage Lines Compared for Lockton vs Zurich U.S.
Other General Liability Insurance Provider Comparisons
Sources for Lockton vs Zurich U.S. General Liability Insurance
Sources About 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 (environmental impairment, medical malpractice, global risk, product liability, professional liability/indemnity, product recall, umbrella liability and excess). Accessed 2026-09-23.
- Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Casualty Insurance | Zurich Insurance. Zurich U.S.; Domestic Casualty Solutions lists General Liability among its products; the page describes bundled/unbundled casualty solutions, Risk Engineers, Claims, medical management and legal services. Company marketing; no buyer-specific terms. Accessed 2026-09-30.
- Business insurance for public & private companies | Zurich. Zurich U.S.; Commercial Insurance Solutions and General Liability overview; instructs buyers to talk to a broker or use Zurich’s broker route. General education and product navigation, not a policy form. Accessed 2026-09-30.
- Commercial Contractors’ Captive | Zurich Insurance. Zurich U.S.; Commercial trade-contractor program: General Liability is a coverage offered; page describes applicant characteristics and underwriting requirements. This is one captive program, not general eligibility for every Zurich liability policy. Accessed 2026-09-30.
Sources for the General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
