What Are the Key Differences Between Gallagher and Lockton General Liability Insurance?
Small-Business Access Versus Large-Company Programs
Gallagher gives small businesses an online form, advisor line, and callback; Lockton names global manufacturers, REITs, contractors, and healthcare companies, and can pair liability with product recall, medical malpractice, environmental, and umbrella lines. [2] [6] Choose Lockton if you need a larger custom casualty program; choose Gallagher if you want a small-business quote through online or phone support.
What Gets Bundled With General Liability
Lockton groups its general liability brokerage with related casualty lines it also places for the same clients — environmental impairment, medical malpractice, product recall and umbrella or excess liability. [6] Gallagher's page treats general liability as a standalone product, itemizing the downstream costs it covers — court costs, judgment interest and bond premiums — rather than adjacent specialty casualty coverages. [2]
Service Model
Lockton says clients keep the same dedicated service team throughout the placement process. [5] Gallagher's page describes its service channels as an online form, phone advisor and scheduled callback, without a comparable named service-continuity commitment. [2]
What Should You Confirm in Gallagher and Lockton General Liability Insurance Quotes?
- If your business is a large manufacturer, REIT or healthcare company, ask Lockton how its general liability program integrates with the adjacent casualty lines it bundles in. [6]
- Ask Gallagher which specific carrier it is proposing for your business. [2]
- Neither reviewed page names an insurer for general liability; ask both brokerages directly. [6]
- Confirm who your day-to-day service contact will be at each brokerage, since Lockton specifically promises a dedicated team. [5]