What Are the Key Differences Between Lockton and WithCoverage General Liability Insurance?
Building a Program Versus Reviewing One
Lockton's general liability page describes designing custom program structures for commercial clients using insurers across the global market. [5] WithCoverage instead describes reviewing general liability coverage a client already holds as part of a broader insurance-program audit, naming construction and restaurants as industries it serves. [6] [7]
Who Each One Names as Its Market
Lockton names global manufacturers, business-to-business service providers, consumer products companies, REITs, contractors and healthcare companies. [5] WithCoverage instead names general liability specifically in its page hero for two industries, construction and restaurants, framing a coverage gap in the line as a risk to a year of project profit or a year of service revenue. [6] [7]
Continuity With an Existing Broker
Lockton's casualty pages describe a dedicated service team that stays with clients through placement, implying an ongoing brokerage relationship. [4] WithCoverage instead says its program audit does not require a client to leave its current broker, positioning the review as a check rather than a switch. [6]
What Should You Confirm in Lockton and WithCoverage General Liability Insurance Quotes?
- Ask Lockton which insurers it can place your account with, since its reviewed pages name none. [5]
- Ask WithCoverage which insurer or insurers it would place your general liability coverage with if the audit recommends a change; its reviewed pages do not name one. [6]
- If you're outside construction or restaurants, ask WithCoverage whether its program audit covers your industry, since its named examples are limited to those two.
- Ask Lockton for published limit figures, since its reviewed pages do not disclose them for general liability. [5]