Aon vs Lockton: General Liability Insurance

Aon’s global construction practice brokers risk solutions for contractors, owners, engineers, and project developers, while Lockton’s general and product-liability brokerage record describes access to adjacent liability lines and a service model for its clients.

What Are the Key Differences Between Aon and Lockton General Liability Insurance?

Construction placement beside Lockton’s related liability lines

Aon’s global construction practice brokers risk solutions for contractors, owners, engineers, and project developers. Lockton’s general and product-liability brokerage record describes access to adjacent liability lines and a service model for its clients. A contractor with both operational and product exposures should ask Lockton how the proposed placements coordinate, and ask Aon which construction markets can insure the project. [1] [6]

Risk advice and insurer identity

Aon describes project risk advice for developing transfer and mitigation strategies. Lockton’s record describes brokerage services and identifies an insurer only through a buyer-specific placement, rather than setting out a universal GL carrier. Those roles leave different quote questions: request Aon’s project analysis scope and have Lockton name each issuing insurer and form for the policies it proposes. [1] [6]

What Should You Confirm in Aon and Lockton General Liability Insurance Quotes?

Ask Aon to identify the construction carrier, policy limits, and project-specific extensions. [1] [6]
Ask Lockton how its GL and product-liability placements fit together and which insurers issue each policy. [1] [6]

Provider coverage details

Aon

role: Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For general liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.company-reportedSource ↗
eligibility: Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement.company-reportedSource ↗
coverage: Aon lists General Liability within construction liability and describes casualty protection for third-party bodily injury or property damage associated with negligent acts during construction or operations. A policy’s actual insureds, triggers, exclusions and conditions are not stated on this practice page. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.company-reportedSource ↗
services: Aon describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.company-reportedSource ↗
insurer: The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.not-foundSource ↗
limits: The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.not-disclosedSource ↗

Lockton

role: Lockton brokers general liability rather than underwriting it. It says it designs custom program structures for commercial clients using insurers across the global market. General & Product Liability page as read 2026-09-23.company-reportedSource ↗
eligibility: Lockton says it has a general liability solution for global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. General & Product Liability page as read 2026-09-23. Lists example industries served, not a complete eligibility matrix.company-reportedSource ↗
coverage: 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. General & Product Liability page as read 2026-09-23. A capability list, not a specimen policy.company-reportedSource ↗
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. Casualty product page as read 2026-09-23.company-reportedSource ↗
insurer: Neither page names the insurers Lockton places general liability coverage with. General & Product Liability and Casualty pages checked 2026-09-23.not-disclosedSource ↗Source ↗

Sources and records

01
Construction and Infrastructure Insurance and Risk Management
Aon · Construction client audience and global placement role, lines 123–126; offering descriptions lines 135–156; coverage-area taxonomy lines 167–195; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. · accessed 2026-09-30
02
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
03
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
04
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
05
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
06
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