What Are the Key Differences Between Lockton and Pie Insurance General Liability Insurance?
Scale and Industry Focus
Lockton names specific industries for its general liability solution: global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. [5] Pie instead calls general liability "one of the most common types of insurance that businesses carry" and markets it broadly to small businesses, cross-selling it alongside workers' compensation, commercial auto, cyber and BOP coverage. [6] The two pages describe opposite ends of the market: complex global accounts for Lockton, general small-business coverage for Pie.
What the Coverage Description Covers
Lockton's general liability page frames the line through adjacent specialty coverages it can also place, such as environmental impairment and product recall, rather than describing the base insuring agreement itself. [5] Pie instead lists what its general liability coverage typically addresses: bodily injury, property damage, reputation harm from slander or libel claims, product liability, and advertising injury. [6]
How You Start a Quote
Lockton's pages describe a placement process built around a dedicated service team rather than a public quote form. [4] Pie directs general liability buyers to contact the company to start a quote through its website. [6] Neither page publishes limits or a named insurer for the coverage.
What Should You Confirm in Lockton and Pie Insurance General Liability Insurance Quotes?
- Ask Lockton which insurers it can access for your industry, since its reviewed pages do not name a carrier. [5]
- Ask Pie to name the specific carrier partner that would underwrite your policy, since its page refers only to unnamed "insurance carrier partners." [6]
- Ask Pie for actual limit and deductible options, since its general liability page does not publish them. [6]
- If your business operates across multiple states or a regulated industry like healthcare, ask each company how its process, Lockton's custom program design or Pie's small-business form, would handle your specific submission.