What Are the Key Differences Between AIG and Lockton General Liability Insurance?
Program eligibility versus custom placement
AIG’s directory names General Liability inside selected programs, including towing, dental and manufactured housing. Lockton instead describes brokerage for global manufacturers, contractors, healthcare companies and other commercial clients. If your business fits one of AIG’s named programs, ask for that program’s actual class and terms; a broader Lockton discussion starts with designing a placement for your operation. [1] [6]
Related casualty needs
The roles also change what you should request. AIG describes program administrator support from underwriting, claims and loss-control teams, while Lockton says it brokers risk with insurers and builds custom structures. Ask AIG which program administrator and policy form apply; ask Lockton which carriers and service team would handle your proposed placement. Neither overview supplies buyer-specific limits or exclusions. [1] [6]
Coordinating related casualty lines
Lockton groups General Liability with product liability, environmental impairment, medical malpractice and umbrella or excess placements. AIG’s reviewed directory instead documents line participation in selected programs. If those other casualty lines matter, ask each contact whether they can coordinate them with the GL quote and identify the insurer for each policy. [6] [1]
What Should You Confirm in AIG and Lockton General Liability Insurance Quotes?
- Which AIG named program and administrator would cover your operation, and what GL limits, exclusions and endorsements would its form set?
- Which insurers would Lockton approach for GL and related casualty lines, and would one service team coordinate the placements?