Counterpart vs Lockton: General Liability Insurance

For manufacturers, contractors, healthcare companies and REITs, Lockton, a broker, designs custom GL program structures with one dedicated service team. Counterpart's GL can be packaged with professional liability for law and miscellaneous professional firms.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-30

Lockton describes custom GL placement for diverse sectors; Counterpart offers class-specific professional companion GL with separate limits.

Sources and records

  1. 01
    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

  2. 02
    How can I get insurance through Counterpart?

    Counterpart Knowledge Center · Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. · accessed 2026-09-28

  3. 03
    Counterpart | Agentic Insurance™

    Counterpart, Inc. · Retained provider source: footer states insurance products are offered by Counterpart Insurance Services, Inc., described as a licensed producer and surplus-lines broker; product/state availability varies, issuer not mapped by product/state. Prior access 2026-09-29. · accessed 2026-09-29

  4. 04
    Lawyers Professional Liability Insurance

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific. · accessed 2026-09-30

  5. 05
    Professional & General Liability

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms. · accessed 2026-09-30

  6. 06
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  7. 07
    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

  8. 08
    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

  9. 09
    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

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

What the Published Scope Emphasizes

Lockton brokers custom GL programs for manufacturers, contractors, healthcare groups, real-estate companies and business services, using insurers across the global market. Counterpart describes GL as a companion to its professional policies for selected firms and lawyers. Businesses with multiple operations can ask Lockton about program design; professional practices should confirm Counterpart’s eligibility and whether its companion limits fit contract requirements. [5] [9]

Placement, Limits, and Service Details

Lockton describes broad market access and custom structures, while Counterpart says brokers can quote multiple limits and retentions with separate line limits. Neither summary establishes a buyer’s issuing insurer. Ask Lockton for its proposed carrier and claims-service model; ask Counterpart for paired declarations. Compare aggregate limits, deductibles, exclusions and how each placement handles additional-insured requirements. [5] [9]

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

  • Which markets, insurer and structure would Lockton propose for your locations? [9]
  • Can Counterpart pair GL for your professional class with independent limits and retention? [5]

Provider coverage details

Counterpart

  • role: Counterpart describes its insurance as distributed by a producer and surplus-lines broker through wholesale brokers. This is the program channel, not evidence Counterpart itself bears insured liability.company-reportedSource ↗Source ↗
  • coverage: Counterpart says Miscellaneous Professional Liability can be bought alone or packaged with General Liability; its lawyers product also describes GL alongside professional coverage. The official descriptions scope GL to these professional-liability product contexts and do not establish broad standalone commercial general liability for all businesses.company-reportedSource ↗Source ↗
  • eligibility: The cited pages describe separate GL companion arrangements for miscellaneous professional firms and law firms. The class scope on these product pages does not establish availability to other businesses or in every state.company-reportedSource ↗Source ↗
  • limits: Counterpart’s MPL page says its coverage types have separate limits and allows brokers to quote multiple limit and retention options. This page statement applies to the marketed MPL/GL structure; confirm the declarations and any shared aggregates in the issued policy.company-reportedSource ↗

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 ↗

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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