Lockton vs Simply Business: General Liability Insurance

Small businesses can start with Simply Business’s online GL quote, though a quote is not guaranteed; Lockton suits commercial buyers seeking a custom GL program and one service team through placement.

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

Lockton describes custom liability program structures for manufacturers, contractors and other commercial clients, with a dedicated service team. Simply Business highlights small-business examples and online quoting; compare the carrier terms and service scope for your operation.

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
    Commercial general liability insurance

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

  3. 03
    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

  4. 04
    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

  5. 05
    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

  6. 06
    General Liability Insurance for a Small Business

    Simply Business · Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page. · accessed 2026-09-29

  7. 07
    Terms of Service

    Simply Business · Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. · accessed 2026-09-29

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

Different stated business audiences

Lockton identifies global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies as audiences for its general liability solutions. Simply Business gives smaller-business examples such as sole proprietors, partnerships, home-based businesses and freelancers, while cautioning that examples do not guarantee eligibility. Larger or more complex operations should ask Lockton how its custom program is structured; smaller firms should verify that a Simply Business panel carrier accepts their actual class and scale. [5] [6]

Program design and service contact

Lockton says it designs custom structures using insurers across the global market and assigns a dedicated service team through placement. Simply Business describes an online quote route, but the reviewed record does not specify a dedicated service team. Ask what support continues after binding under the particular quote from either provider. [4] [7]

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

  • Ask Lockton which insurers and limits form the proposed program, and who remains on your dedicated service team after placement. [5] [4]
  • Ask Simply Business which panel carrier will insure your business class and what service contact handles changes or claims. [7]

Provider coverage details

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 ↗

Simply Business

  • coverage: The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • eligibility: The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • application: Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗Source ↗

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

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