--- title: "What Is Lockton?" description: "How Lockton’s US brokerage, technology practice, coverage catalogue, compensation and claims advocacy are described in official sources, and what a quote still has to confirm." canonical: "https://spot.insure/insurance-providers/lockton" page-type: "provider-profile" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Lockton"] --- [Human-readable page](https://spot.insure/insurance-providers/lockton) # What Is Lockton? How Lockton’s US brokerage, technology practice, coverage catalogue, compensation and claims advocacy are described in official sources, and what a quote still has to confirm. ## Research Scope and Use Use this profile to understand Lockton's documented role, coverage offerings, application process, and service model before requesting provider-specific terms. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Company Details - **Company:** Lockton - **Stated focus:** Business risk, employee benefits and retirement brokerage, including technology companies - **Official website:** [global.lockton.com](https://global.lockton.com/us/en) ### Coverage Offered - Cargo and transit [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") - Commercial auto [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") - Commercial property [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") - Crime [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") - Cyber liability [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [2](https://global.lockton.com/us/en/technology "Technology") - Directors and officers [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://global.lockton.com/us/en/technology "Technology") - Employee health and benefits [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") - Employment practices liability [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") - Fiduciary liability [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") - General liability [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") - Key person [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") - Product liability [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") - Professional liability / E&O [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") - Representations and warranties [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") - Surety bonds [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") - Umbrella and excess liability [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") - Workers’ compensation [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") Lockton’s US site describes the firm as an independent insurance brokerage that arranges customized risk, employee benefits and retirement solutions. US Terms of Business treat Lockton Companies, LLC and affiliated Lockton companies as intermediaries that market, place and service insurance, not as the risk-bearing insurer on a placed policy. [1](https://global.lockton.com/us/en "Lockton United States") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [20](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.) Lockton markets to organizations seeking risk, benefits and retirement brokerage. Its US technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Separate pages address private-equity firms, including portfolio-company programs. The reviewed pages do not publish a minimum company size, funding stage or revenue floor for technology clients. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: US technology, homepage and private-equity service pages. Presence of a technology practice is not an eligibility guarantee for a bootstrapped or early-stage startup.; verified: 2026-09-16.) For a Bay Area company, that can mean a conversation about cyber and directors and officers (D&O) coverage, a casualty and property program as you add offices or inventory, or employee benefits through Lockton People Solutions. Those labels are brokerage offerings; the insurer, form and price show up in a proposal. [2](https://global.lockton.com/us/en/technology "Technology") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") ## Pros and Cons ### Pros - **A documented technology practice, not only a generic commercial desk.** The US technology page names hardware, software, internet, semiconductors, medical equipment and telecommunications clients, and it treats cyber liability and D&O as core topics alongside contract review and international program design. That gives a technology founder a specialist team to question, rather than inferring tech capability from a logo. [2](https://global.lockton.com/us/en/technology "Technology") - **Coverage catalogue spans risk and people solutions.** Dedicated US pages list casualty lines, property, workers’ compensation, fiduciary liability and employee benefits, with cyber and D&O on their own product pages. Private-equity materials also list errors and omissions (E&O), crime, employment practices liability, surety, key-person and transaction insurance, including representations and warranties, plus portfolio-company programs. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") - **Compensation types are disclosed even when amounts are not.** Terms of Business explain insurer commissions, possible client fees, contingent and supplemental commissions, and other income sources, and they tell you to ask for account-specific figures. That is a concrete agenda for a first meeting. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") - **Claims work is described as advocacy beside the broking team.** D&O, fiduciary and technology pages describe insurance and claims counsel integrated with brokers. Separate loss-prevention pages describe investigations, mapping facts to policies and discussions with insurer counsel. That is a service description to test in a quote, not evidence of how claims are decided. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") ### Cons - **You cannot bind coverage from the public website.** Contact is an inquiry form or an email to a practice mailbox. Site terms say the content is general information, not broking advice. Early-stage teams used to instant online quotes will need a human process and should not treat the form as a bind request. [12](https://global.lockton.com/us/en/contact-us "Contact Us") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") - **Named insurers are not published.** Terms say Lockton need not use any particular insurer and generally cannot bind one. Surplus-lines markets may appear when admitted terms are not available. You cannot compare financial strength or form quality from the marketing site alone. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") - **California product access is not settled by office listings.** San Francisco, Los Angeles and Irvine offices exist, and Lockton certificates print a California DBA and license number, but current producer-license status remains independently unverified. An office in California is not eligibility for a California policy. [17](https://global.lockton.com/offices/usa-san-francisco "Lockton Insurance Brokers - San Francisco") [21](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [22](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") - **Scale and independence claims are company-reported.** Private ownership and “world’s largest independent brokerage” language appear throughout. They do not tell you whether Lockton will take a small account, what it will charge, or how a local producer is staffed. [1](https://global.lockton.com/us/en "Lockton United States") [20](https://global.lockton.com/us/en/our-story "Our Story") ## How It Works Public US application starts as an inquiry: the US contact form (Ask an Expert) and industry pages invite buyers to connect with a team. The privacy notice refers to soliciting an insurance policy quote. The Cyber & Technology page publishes cyber@lockton.com. Reviewed pages do not describe a self-serve bind flow, published quote turnaround, or an unauthenticated online application that issues a policy without a Lockton representative. [12](https://global.lockton.com/us/en/contact-us "Contact Us") [1](https://global.lockton.com/us/en "Lockton United States") [15](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) Public US terms name Lockton Companies, LLC (and Series, subsidiaries and affiliates) as the brokerage group and Lockton, Inc. as the website operator. Certificates produced by Lockton also use the California DBA Lockton Insurance Brokers, LLC. Confirm the legal name on any broker-of-record or services agreement; these pages do not by themselves establish which entity would be appointed for a California company. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [21](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.) Lockton-produced certificates print California license number 0F15767 for Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC. Current license status, classes and expiration remain independently unverified. Treat California producer authority as unresolved until a regulator record or the proposed engagement papers are checked. [21](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [22](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; verified: 2026-09-16.) Once engaged, Terms of Business say Lockton markets programs to insurers, may use other intermediaries (including affiliates), and may place surplus-lines coverage when it cannot obtain requested terms in the admitted market. Proposals, coverage summaries and certificates are described as convenience documents that do not replace the policy. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ## Coverage and Availability For technology clients, Lockton highlights cyber liability and directors and officers liability, plus related services such as contract review and international program design. Dedicated US product pages describe brokerage for casualty lines (auto, cargo, general and product liability, umbrella and excess, workers’ compensation), commercial property, fiduciary liability for employee-benefit-plan fiduciaries, and People Solutions employee benefits. A private-equity capabilities list also names errors and omissions, crime and financial-institution bonds, employment practices liability, surety, key-person insurance, transaction insurance including representations and warranties, and portfolio-company programs. Actual policy wording, limits and whether a given buyer is offered those lines remain quote-dependent. [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.) Lockton publishes a US regional site, a Kansas City headquarters address, and California office listings in San Francisco, Los Angeles and Irvine under the heading Lockton Insurance Brokers. Those offices and the US website do not establish that a particular product is available to a California-domiciled company, or in every US state. Terms of Business also contemplate surplus-lines placements when admitted markets are not used. [16](https://global.lockton.com/us/en/offices "Offices - Lockton US") [17](https://global.lockton.com/offices/usa-san-francisco "Lockton Insurance Brokers - San Francisco") [18](https://global.lockton.com/offices/usa-los-angeles "Lockton Insurance Brokers - Los Angeles") [19](https://global.lockton.com/offices/usa-irvine "Lockton Insurance Brokers - Irvine") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Office directories and US site. No published state-by-state eligibility matrix was found. California office presence is not treated as California coverage eligibility.; verified: 2026-09-16.) Lockton says it is not obligated to use any particular insurer, is generally not authorized to bind insurers except in circumstances it says it will try to disclose, and does not guarantee placement on acceptable terms. Cyber pages refer to insurer partners without naming them. The workers’ compensation page claims access to more than 100 regional, global and program markets without listing those markets. Surplus-lines insurers may appear in a proposal when admitted markets cannot meet requested terms. Named issuing companies for a buyer’s policies were not disclosed on the reviewed pages. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.; verified: 2026-09-16.) Educational articles on technology E&O explain how those policies typically work. Those explanations do not establish the technology E&O product or wording available for your company. Ask whether professional or technology E&O is on the proposed program if your contracts require it. [2](https://global.lockton.com/us/en/technology "Technology") [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") ## Service and Compensation Casualty pages say the same dedicated service team stays with the client through the process. Technology pages describe a round-the-clock service model. Terms of Business cover day-to-day servicing, risk control, insurance renewal services, policy administration and the use of intermediaries (including Lockton affiliates) in servicing and placement. Property pages say the team that meets the client also negotiates with markets rather than a remote broking center. A public client-portal feature list was not established beyond a Lockton Portal login link on the US site. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [2](https://global.lockton.com/us/en/technology "Technology") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [1](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) US Terms of Business say Lockton may be paid insurer commissions (a percentage of premium), negotiated client fees in lieu of or in addition to commissions, additional compensation such as contingent or supplemental commissions, insurer service fees (including for some managing-general-agency or analytics work), compensation involving affiliate Lockton Re, LLC on reinsurance placements, and interest or premium-finance related income. Commissions are described as fully earned at inception unless law or insurer contracts say otherwise. The terms tell clients to ask their Lockton representative for account-specific compensation. No public fee schedule, commission percentages or typical startup pricing appears on the reviewed pages. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; verified: 2026-09-16.) Lockton describes claims advocacy as a service, not as the insurer paying claims. Technology, D&O and fiduciary pages say a Professional & Executive Risk Claims team, including insurance and claims counsel, is integrated with the broking team and that claims advocacy is not treated as a profit center. Loss-prevention pages describe claims consulting: investigations, mapping facts to policies, preparing presentations, and discussions with insurer lawyers and loss adjusters. Workers’ compensation pages mention claims service advocates. Terms of Business include claims handling and claims processing among Lockton’s intermediary services and state Lockton is not responsible for an insurer’s solvency or willingness to pay. These descriptions do not establish claims outcomes or handling quality. [2](https://global.lockton.com/us/en/technology "Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; verified: 2026-09-16.) ## What to Confirm in a Quote - The **legal producer** on the engagement letter, broker-of-record form and any California surplus-lines paperwork, and a current **license verification** for that entity and the individual producer. - Whether Lockton will **accept the size and stage of your company**, including bootstrapped or early-venture accounts, which the public technology page does not define. - The **issuing insurer** (or insurers) for each line, admitted versus surplus-lines status in California or other operating states, and specimen or proposed **forms**, limits, retentions and exclusions. - How **cyber, D&O, E&O and general liability** interact if customers require professional-services coverage. - **Compensation**: commission, client fee, contingent or supplemental amounts, affiliate placements, and whether commissions remain earned if you cancel midterm. - **Service**: named team, claims-advocacy scope, certificate turnaround, and whether a portal will be used. - **Renewal and replacement** of any existing broker, including gaps Lockton says it will not take responsibility for if another broker placed prior coverage. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Comparisons - [Lockton vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-lockton) - [Lockton vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-lockton) - [Lockton vs Armilla](https://spot.insure/compare/armilla-vs-lockton) - [Lockton vs At-Bay](https://spot.insure/compare/at-bay-vs-lockton) - [Lockton vs Beazley](https://spot.insure/compare/beazley-vs-lockton) - [Lockton vs CFC](https://spot.insure/compare/cfc-vs-lockton) - [Lockton vs Chubb](https://spot.insure/compare/chubb-vs-lockton) - [Lockton vs Coalition](https://spot.insure/compare/coalition-vs-lockton) - [Lockton vs Corgi](https://spot.insure/compare/corgi-vs-lockton) - [Lockton vs Coterie Insurance](https://spot.insure/compare/coterie-vs-lockton) - [Lockton vs Coverdash](https://spot.insure/compare/coverdash-vs-lockton) - [Lockton vs Cowbell](https://spot.insure/compare/cowbell-vs-lockton) - [Lockton vs Embroker](https://spot.insure/compare/embroker-vs-lockton) - [Lockton vs Founder Shield](https://spot.insure/compare/foundershield-vs-lockton) - [Lockton vs Gallagher](https://spot.insure/compare/gallagher-vs-lockton) - [Lockton vs Harper](https://spot.insure/compare/harper-vs-lockton) - [Lockton vs Heffernan Insurance Brokers](https://spot.insure/compare/heffernan-vs-lockton) - [Lockton vs Hiscox](https://spot.insure/compare/hiscox-vs-lockton) - [Lockton vs HUB International](https://spot.insure/compare/hub-international-vs-lockton) - [Lockton vs Kinro](https://spot.insure/compare/kinro-vs-lockton) - [Lockton vs Layr](https://spot.insure/compare/layr-vs-lockton) - [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh) - [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo) - [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront) - [Lockton vs ERGO NEXT Insurance](https://spot.insure/compare/lockton-vs-next-insurance) - [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance) - [Lockton vs Relm Insurance](https://spot.insure/compare/lockton-vs-relm) - [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience) - [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube) - [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics) - [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance) - [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance) - [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford) - [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers) - [Lockton vs USI Insurance Services](https://spot.insure/compare/lockton-vs-usi) - [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch) - [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage) ## Sources ### [Lockton Official Website](https://global.lockton.com/us/en) 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. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16. 4. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16. 5. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers compensation; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team. Accessed 2026-09-16. 6. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery; no centralized broking centers claim. Accessed 2026-09-16. 7. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16. 8. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16. 9. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16. 10. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities list including D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person, and benefits design. Accessed 2026-09-16. 11. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16. 12. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16. 13. [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. 14. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16. 15. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16. 16. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16. 17. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16. 18. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16. 19. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16. 20. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16. 21. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16. 22. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry landing page; interactive lookup not completed with a returned license detail record in this research pass. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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