What Are the Key Differences Between Harper and Lockton General Liability Insurance?
Large Custom Programs Versus Certificate-Driven Placements
Lockton works with global manufacturers, REITs, and healthcare companies and groups liability with lines such as product recall and umbrella; Harper targets smaller businesses seeking certificates for leases or contracts, including hard-to-place and declined risks. [6] [2] Choose Lockton if you need a custom program across related casualty lines; choose Harper if you need a certificate-driven policy or have been declined elsewhere.
How Each Brokerage Builds the Placement
Lockton says it designs custom program structures using insurers across the global market rather than shopping a standard application. [6] Harper's version of shopping the market is more standardized: one application goes to multiple insurers, with a specialist reviewing the business before it's quoted. [2]
What Comes Bundled With the Line
Lockton groups its general liability brokerage with related casualty coverages for the same client, including environmental impairment, medical malpractice, product recall and umbrella or excess liability. [6] Harper's reviewed page addresses general liability on its own, without describing companion lines placed alongside it. [2]
Service Model and Certificates
Lockton says clients keep the same dedicated service team throughout the placement process. [5] Harper's comparable service claim is narrower and line-specific: same-day certificate issuance once a policy it placed is already in force. [2] Neither page names the insurer that ends up on the policy. [5] [2]
What Should You Confirm in Harper and Lockton General Liability Insurance Quotes?
- Ask Lockton which insurers it's approaching for your specific program and how the structure is customized. [6]
- Ask Harper the same question about which carriers are reviewing your application. [2]
- Confirm whether your business fits the scale Lockton names or the hard-to-place profile Harper names. [6] [2]
- Ask Lockton whether adjacent casualty lines it bundles in change the general liability terms specifically. [6]