---
title: "How Reliable Is Lockton?"
description: "Lockton reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score."
canonical: "https://spot.insure/insurance-providers/lockton/reliability"
page-type: "reliability-article"
updated-at: "2026-09-22"
verified-at: "2026-09-22"
entities: ["Spot"]
---

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[Human-readable page](https://spot.insure/insurance-providers/lockton/reliability)

# How Reliable Is Lockton?

Lockton reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.

## Assessment

- **Role:** Broker

- **Scope:** Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.

This partial Broker Spot Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Broker Spot Score:** **5.6/10**
- **Role:** Broker
- **Scope:** Lockton's U.S. brokerage presentation, including Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and Lockton, Inc. as named in reviewed U.S. materials; scope is commercial placement and claims advocacy and does not identify a quote-specific risk-bearing insurer.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **15%** of this role’s weighting included. Included: Disclosure Clarity. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

- **Methodology:** [How we calculate the Spot Score](/spot-rating)

- **Provider profile:** [Lockton](/insurance-providers/lockton)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| Lockton Companies, LLC | Named U.S. brokerage entity and California producer-header entity; policy-specific authority is not established. | [US Terms of Business](https://global.lockton.com/us/en/terms-of-business), [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 Insurance Brokers, LLC | DBA named with Lockton Companies, LLC in the reviewed California producer header. | [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, Inc. | Missouri corporation identified in U.S. terms; relationship to every placing entity is not resolved here. | [US Terms of Business](https://global.lockton.com/us/en/terms-of-business) |
| Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC | Company-disclosed trading name on the Lockton-produced California certificate header. Not an independently verified legal licensee or California DOI identity. | [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), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## Research summary

Lockton's U.S. materials describe an independent broker with technology, cyber and claims capabilities; a company-produced California certificate displays 0F15767, but current regulator authority, quote-specific insurer and carrier financial evidence remain unestablished. [Lockton United States](https://global.lockton.com/us/en), [US Terms of Business](https://global.lockton.com/us/en/terms-of-business), [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)

### Legal Identity

Lockton's U.S. materials present Lockton as an independent brokerage. The reviewed terms and producer header name Lockton Companies, LLC, Lockton Insurance Brokers, LLC and Lockton, Inc.; they do not map every brand or office to one legal producer entity. [Lockton United States](https://global.lockton.com/us/en), [US Terms of Business](https://global.lockton.com/us/en/terms-of-business), [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)

### Licensing

A Lockton-produced California certificate header displays producer license 0F15767 for Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC. It remains company-reported evidence rather than independent current regulator confirmation or a complete state authority inventory. [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), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

### Financial Strength

Lockton describes itself as privately owned, while the reviewed materials describe brokerage capabilities rather than an insurer balance sheet. No current AM Best action, statutory statement or quote-specific carrier financial evidence was collected for the scoped brokerage entities. [Lockton United States](https://global.lockton.com/us/en), [US Terms of Business](https://global.lockton.com/us/en/terms-of-business)

### Risk Bearing

The U.S. terms address surplus lines, use of a particular insurer, intermediaries and compensation, consistent with an intermediary placing coverage. The reviewed materials do not identify the insurer, syndicate or reinsurance arrangement for a particular technology or cyber quote; Lockton is not treated as carrier. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business), [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology)

Lockton’s US compensation disclosure describes the shape of its insurer relationships without naming an insurer. It states that Lockton receives commissions paid by insurers, contingency payments tied to premium volume, growth, persistency, profitability or retention targets set by the insurer, supplemental commission set at the start of each calendar year on the same performance factors, and service fees from insurers for consulting, managing general agency arrangements, analytics and administration. It also states that insurers may ask Lockton Re, LLC, a reinsurance intermediary broker affiliate, to place facultative or treaty reinsurance on their behalf. These are company-disclosed arrangements; no insurer, share of business or facility term is identified. [Compensation Disclosure](https://global.lockton.com/us/en/compensation-disclosure)

Three Lockton capacity arrangements are named, and none identifies the risk-bearing insurer. Lockton’s US infrastructure page states that Lockton partners with Macquarie Insurance Facility (MIF) for aggregated infrastructure buying. A Lockton US news item describes parametric service-level-agreement insurance for data centres delivered with Parametrix, which the same page describes as a managing general agent and Lloyd’s coverholder whose policies are backed by major A-rated global insurers; those insurers are not named, and the page’s phrasing that the product is “underwritten through Lockton” is marketing language rather than evidence of a Lockton underwriting or risk-bearing role. A Lockton announcement dated 12 October 2022 describes a digital-asset custody facility built by its Emerging Asset Protection team and supported by Lloyd’s syndicates together with highly rated insurance companies, with London market custody capacity then estimated in excess of US$850 million. All three statements are company-reported and none was independently verified here. [Infrastructure Insurance Services](https://global.lockton.com/us/en/infrastructure), [Lockton and Parametrix Partner to Deliver SLA Insurance for Data Centers](https://global.lockton.com/us/en/news-insights/lockton-and-parametrix-partner-to-deliver-sla-insurance-for-data-centers), [Lockton launches new digital asset custody insurance facility](https://global.lockton.com/news-insights/lockton-launches-new-digital-asset-custody-insurance-facility)

No reviewed Lockton source names an insurer, syndicate or capacity share for a US commercial, technology or cyber placement, and no carrier-published directory or appointment record for Lockton was located in this research. The named relationships are with a buying facility, a managing general agent and unnamed Lloyd’s and company markets. That describes the reviewed disclosures; it is not a finding that Lockton lacks carrier relationships. [Compensation Disclosure](https://global.lockton.com/us/en/compensation-disclosure), [Infrastructure Insurance Services](https://global.lockton.com/us/en/infrastructure), [Lockton and Parametrix Partner to Deliver SLA Insurance for Data Centers](https://global.lockton.com/us/en/news-insights/lockton-and-parametrix-partner-to-deliver-sla-insurance-for-data-centers)

### Claims Service

Lockton advertises claim advocacy and consulting that can include investigations, policy mapping, discussions with insurer lawyers and loss adjusters, and claim presentation. These descriptions do not establish claim outcomes, insurer obligations or a service-level commitment for a specific policy. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims)

### Regulatory Record

Current California authority is not independently established for the displayed number, and no completed five-year conduct result is available. This is not a clean-record or universal-authority finding. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [US Terms of Business](https://global.lockton.com/us/en/terms-of-business)

## Licenses and authority

| Entity | Jurisdiction | Identifier | Number | License type | Authority | Status | Verified | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC | CA | State license | 0F15767 | Producer license displayed on Lockton-produced certificate header as Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC | Company-produced evidence; current regulator authority not independently established | Company-reported | 2026-09-21 | [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), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | Inaccessible | Current Lockton authority for 0F15767 is not independently established from the California regulator route; this is not a no-license or clean-record finding. | [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## Rating dimensions

### Broker Spot Score

Included weighting: **15%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [Lockton United States](https://global.lockton.com/us/en), [US Terms of Business](https://global.lockton.com/us/en/terms-of-business), [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), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business), [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology), [Compensation Disclosure](https://global.lockton.com/us/en/compensation-disclosure), [Infrastructure Insurance Services](https://global.lockton.com/us/en/infrastructure), [Lockton and Parametrix Partner to Deliver SLA Insurance for Data Centers](https://global.lockton.com/us/en/news-insights/lockton-and-parametrix-partner-to-deliver-sla-insurance-for-data-centers), [Lockton launches new digital asset custody insurance facility](https://global.lockton.com/news-insights/lockton-launches-new-digital-asset-custody-insurance-facility)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [US Terms of Business](https://global.lockton.com/us/en/terms-of-business)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Disclosure Clarity | 2.22 | 15% | 5.55 | [Lockton United States](https://global.lockton.com/us/en), [US Terms of Business](https://global.lockton.com/us/en/terms-of-business), [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), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology), [Compensation Disclosure](https://global.lockton.com/us/en/compensation-disclosure), [Infrastructure Insurance Services](https://global.lockton.com/us/en/infrastructure), [Lockton and Parametrix Partner to Deliver SLA Insurance for Data Centers](https://global.lockton.com/us/en/news-insights/lockton-and-parametrix-partner-to-deliver-sla-insurance-for-data-centers), [Lockton launches new digital asset custody insurance facility](https://global.lockton.com/news-insights/lockton-launches-new-digital-asset-custody-insurance-facility), [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims) |

## Evidence gaps

- Current California license status and exact legal licensee require direct regulator confirmation.
- No complete state-by-state producer authority inventory was completed.
- No quote-specific insurer, syndicate, admitted or surplus-lines status or reinsurance terms were collected.
- No current carrier-specific AM Best action or statutory financial statement was collected.
- No completed five-year conduct result is available.
- Claims advocacy is company-described and independent service outcomes were not reviewed.
- No reviewed Lockton source names an insurer, syndicate or capacity share behind a US placement; the named arrangements are with Macquarie Insurance Facility, Parametrix and unnamed Lloyd’s and company markets, so carrier-network strength has no named-carrier evidence in this scope.
- No carrier-published directory, appointment record or regulator appointment listing confirming a Lockton carrier appointment was located in this research.
- The digital-asset custody facility statement dates from 12 October 2022; its current participants, capacity and availability were not re-established.

## Related terms

- [What Is an Insurance Broker?](/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](/insurance-glossary/am-best-rating)

## Sources

- [Lockton United States](https://global.lockton.com/us/en) — Lockton; U.S. overview describing an independent insurance brokerage; accessed 2026-09-21.
- [US Terms of Business](https://global.lockton.com/us/en/terms-of-business) — Lockton; U.S. entity definition; surplus-lines and particular-insurer provisions; compensation, servicing, claims and intermediary provisions; accessed 2026-09-21.
- [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology) — Lockton; Cyber and privacy risk solution, insurer-partner references, placement and claim life-cycle support; accessed 2026-09-21.
- [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims) — Lockton; Claims consulting covering investigations, policy mapping, insurer lawyers, loss adjusters and claim presentation; accessed 2026-09-21.
- [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 names Lockton Companies, LLC d/b/a Lockton Insurance Brokers, LLC and displays California license 0F15767; company-produced certificate header; accessed 2026-09-21.
- [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) — California Department of Insurance; California producer-license route for Lockton; current authority not independently established; accessed 2026-09-21.
- [Compensation Disclosure](https://global.lockton.com/us/en/compensation-disclosure) — Lockton; Sections on insurer-paid commissions, contingency payments, supplemental commission, insurer service fees including managing general agency arrangements, and Lockton Re, LLC facultative and treaty reinsurance placements; accessed 2026-09-22.
- [Infrastructure Insurance Services](https://global.lockton.com/us/en/infrastructure) — Lockton; Body text stating that Lockton partners with Macquarie Insurance Facility (MIF), which has the largest aggregated buying program for infrastructure in the market, and that Lockton Global is a partnership with 37 independent brokers; accessed 2026-09-22.
- [Lockton and Parametrix Partner to Deliver SLA Insurance for Data Centers](https://global.lockton.com/us/en/news-insights/lockton-and-parametrix-partner-to-deliver-sla-insurance-for-data-centers) — Lockton; “A Strategic Partnership Built on Deep Sector Expertise” section and the “About Parametrix” note describing Parametrix as a Managing General Agent and Lloyd’s Coverholder with policies backed by major A-rated global insurers; accessed 2026-09-22.
- [Lockton launches new digital asset custody insurance facility](https://global.lockton.com/news-insights/lockton-launches-new-digital-asset-custody-insurance-facility) — Lockton; News item dated 12 October 2022: Emerging Asset Protection (LEAP) custody facility supported by Lloyd’s syndicates together with highly rated insurance companies, with London market custody capacity then estimated in excess of US$850 million; accessed 2026-09-22.

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