--- title: "Embroker vs Lockton" description: "Embroker offers named management and technology programs; Lockton provides broker consultation on broader technology and cyber coverage." canonical: "https://thegeneralaverage.com/compare/embroker-vs-lockton" page-type: "provider-comparison" updated-at: "2026-09-29" comparison-pair: "embroker-vs-lockton" provider-a: "embroker" provider-b: "lockton" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/compare/embroker-vs-lockton) ## Agent Guide **What this page is:** Side-by-side comparison of Embroker and Lockton as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how Embroker and Lockton differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do Embroker and Lockton compare? - Which is better for business insurance, Embroker or Lockton? - Does Embroker or Lockton offer the coverage lines I need? - What service and claims differences are documented between Embroker and Lockton? **Key facts:** - Providers compared: Embroker and Lockton. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 26 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-29. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [Embroker profile](https://thegeneralaverage.com/insurance-providers/embroker) — provider profile (evidence for this comparison) - [Lockton profile](https://thegeneralaverage.com/insurance-providers/lockton) — provider profile (evidence for this comparison) - [Embroker Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/embroker/commercial-auto) — one provider's documented offering for a shared coverage line - [Lockton Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-auto) — one provider's documented offering for a shared coverage line - [Embroker Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/embroker/commercial-property) — one provider's documented offering for a shared coverage line - [Lockton Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-property) — one provider's documented offering for a shared coverage line - [Embroker Crime Insurance](https://thegeneralaverage.com/insurance-providers/embroker/crime) — one provider's documented offering for a shared coverage line - [Lockton Crime Insurance](https://thegeneralaverage.com/insurance-providers/lockton/crime) — one provider's documented offering for a shared coverage line - [Embroker Cyber Insurance](https://thegeneralaverage.com/insurance-providers/embroker/cyber) — one provider's documented offering for a shared coverage line - [Lockton Cyber Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cyber) — one provider's documented offering for a shared coverage line - [Embroker D&O Insurance](https://thegeneralaverage.com/insurance-providers/embroker/directors-officers) — one provider's documented offering for a shared coverage line - [Lockton D&O Insurance](https://thegeneralaverage.com/insurance-providers/lockton/directors-officers) — one provider's documented offering for a shared coverage line - [Embroker Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/employment-practices) — one provider's documented offering for a shared coverage line - [Lockton Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/employment-practices) — one provider's documented offering for a shared coverage line - [Embroker Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/fiduciary) — one provider's documented offering for a shared coverage line - [Lockton Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/fiduciary) — one provider's documented offering for a shared coverage line - [Embroker General Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/general-liability) — one provider's documented offering for a shared coverage line - [Lockton General Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/general-liability) — one provider's documented offering for a shared coverage line - [Embroker Key Person Insurance](https://thegeneralaverage.com/insurance-providers/embroker/key-person) — one provider's documented offering for a shared coverage line - [Lockton Key Person Insurance](https://thegeneralaverage.com/insurance-providers/lockton/key-person) — one provider's documented offering for a shared coverage line - [Embroker Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/product-liability) — one provider's documented offering for a shared coverage line - [Lockton Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/product-liability) — one provider's documented offering for a shared coverage line - [Embroker Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/embroker/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Lockton Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/lockton/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Embroker Surety Bonds](https://thegeneralaverage.com/insurance-providers/embroker/surety-bonds) — one provider's documented offering for a shared coverage line - [Lockton Surety Bonds](https://thegeneralaverage.com/insurance-providers/lockton/surety-bonds) — one provider's documented offering for a shared coverage line - [Embroker Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/embroker/workers-compensation) — one provider's documented offering for a shared coverage line - [Lockton Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/lockton/workers-compensation) — one provider's documented offering for a shared coverage line - [AIG vs Embroker](https://thegeneralaverage.com/compare/aig-vs-embroker) — sibling comparison - [AIG vs Lockton](https://thegeneralaverage.com/compare/aig-vs-lockton) — sibling comparison - [Alliance Risk vs Embroker](https://thegeneralaverage.com/compare/alliance-risk-vs-embroker) — sibling comparison - [Alliance Risk vs Lockton](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) — sibling comparison - [Amelia Risk vs Embroker](https://thegeneralaverage.com/compare/amelia-risk-vs-embroker) — sibling comparison - [Amelia Risk vs Lockton](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) — sibling comparison - [Aon vs Embroker](https://thegeneralaverage.com/compare/aon-vs-embroker) — sibling comparison - [Aon vs Lockton](https://thegeneralaverage.com/compare/aon-vs-lockton) — sibling comparison - [Armilla vs Embroker](https://thegeneralaverage.com/compare/armilla-vs-embroker) — sibling comparison - [Armilla vs Lockton](https://thegeneralaverage.com/compare/armilla-vs-lockton) — sibling comparison - [At-Bay vs Embroker](https://thegeneralaverage.com/compare/at-bay-vs-embroker) — sibling comparison - [At-Bay vs Lockton](https://thegeneralaverage.com/compare/at-bay-vs-lockton) — sibling comparison - [The Baldwin Group vs Embroker](https://thegeneralaverage.com/compare/baldwin-vs-embroker) — sibling comparison - [The Baldwin Group vs Lockton](https://thegeneralaverage.com/compare/baldwin-vs-lockton) — sibling comparison - [Beazley vs Embroker](https://thegeneralaverage.com/compare/beazley-vs-embroker) — sibling comparison - [Beazley vs Lockton](https://thegeneralaverage.com/compare/beazley-vs-lockton) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Embroker](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-embroker) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Lockton](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-lockton) — sibling comparison - [biBerk vs Embroker](https://thegeneralaverage.com/compare/biberk-vs-embroker) — sibling comparison - [biBerk vs Lockton](https://thegeneralaverage.com/compare/biberk-vs-lockton) — sibling comparison - [CFC vs Embroker](https://thegeneralaverage.com/compare/cfc-vs-embroker) — sibling comparison - [CFC vs Lockton](https://thegeneralaverage.com/compare/cfc-vs-lockton) — sibling comparison - [Chubb vs Embroker](https://thegeneralaverage.com/compare/chubb-vs-embroker) — sibling comparison - [Chubb vs Lockton](https://thegeneralaverage.com/compare/chubb-vs-lockton) — sibling comparison - [CNA vs Embroker](https://thegeneralaverage.com/compare/cna-vs-embroker) — sibling comparison - [CNA vs Lockton](https://thegeneralaverage.com/compare/cna-vs-lockton) — sibling comparison - [Coalition vs Embroker](https://thegeneralaverage.com/compare/coalition-vs-embroker) — sibling comparison - [Coalition vs Lockton](https://thegeneralaverage.com/compare/coalition-vs-lockton) — sibling comparison - [Corgi vs Embroker](https://thegeneralaverage.com/compare/corgi-vs-embroker) — sibling comparison - [Corgi vs Lockton](https://thegeneralaverage.com/compare/corgi-vs-lockton) — sibling comparison - [Coterie Insurance vs Embroker](https://thegeneralaverage.com/compare/coterie-vs-embroker) — sibling comparison - [Coterie Insurance vs Lockton](https://thegeneralaverage.com/compare/coterie-vs-lockton) — sibling comparison - [Counterpart vs Embroker](https://thegeneralaverage.com/compare/counterpart-vs-embroker) — sibling comparison - [Counterpart vs Lockton](https://thegeneralaverage.com/compare/counterpart-vs-lockton) — sibling comparison - [Coverdash vs Embroker](https://thegeneralaverage.com/compare/coverdash-vs-embroker) — sibling comparison - [Coverdash vs Lockton](https://thegeneralaverage.com/compare/coverdash-vs-lockton) — sibling comparison - [Cowbell vs Embroker](https://thegeneralaverage.com/compare/cowbell-vs-embroker) — sibling comparison - [Cowbell vs Lockton](https://thegeneralaverage.com/compare/cowbell-vs-lockton) — sibling comparison - [Embroker vs Founder Shield](https://thegeneralaverage.com/compare/embroker-vs-foundershield) — sibling comparison # Embroker vs Lockton: How Do They Compare for Business Insurance? Embroker offers named management and technology programs; Lockton provides broker consultation on broader technology and cyber coverage. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Embroker vs Lockton in Brief Embroker offers named management and technology programs through online and broker routes; Lockton consults on broader technology and cyber insurance. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [2](https://www.embroker.com/terms/ "Terms And Conditions") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ## Embroker and Lockton Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### Embroker Reliability Scores Role: Broker. Broker Reliability Score: **5.1/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/embroker/reliability). ### Lockton Reliability Scores Role: Broker. Broker Reliability Score: **5.6/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/lockton/reliability). ## Embroker Review Scores for 2026 Review Score: 5.6 / 10 from 3 rated sources, equally weighted. Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality. - Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com) - BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895) - Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/embroker/reviews). ## Lockton Review Scores for 2026 Review Score: 8.4 / 10 from 3 rated sources, equally weighted. Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict. - BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971) - ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/) - Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/lockton/reviews). ## An Overview of Embroker and Lockton A technology firm needing directors’ and officers’, employment-practices and cyber coverage should compare a specific Embroker EMIS proposal with Lockton’s proposed forms and insurers. The evidence does not establish Lockton access to Embroker’s programs, so request terms from each route separately. [1](https://www.embroker.com/ "Embroker") [10](https://access.embroker.com/ "Embroker Access") [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") [28](https://global.lockton.com/us/en/technology "Technology") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") Choose Embroker if a named program meets your coverage needs; choose Lockton if you want broker advice across technology and cyber risks. ## What Stands Out About Embroker and Lockton? ### Embroker at a Glance - Eligible technology firms can bundle management coverage with technology E&O and cyber through one application. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.) - Technology and law-firm packages group relevant coverage options together. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; verified: 2026-09-15.) ### Lockton at a Glance - Lockton brokers help businesses arrange insurance, employee benefits and retirement programs. [27](https://global.lockton.com/us/en "Lockton United States") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [46](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.) - Technology clients can compare options for cyber, D&O, liability, property and benefits with Lockton. [28](https://global.lockton.com/us/en/technology "Technology") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [30](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [32](https://global.lockton.com/us/en/products-services/property "Property Insurance") [33](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [34](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [35](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.) ## Embroker vs Lockton Coverage Lines Compared | Coverage Type | Embroker | Lockton | | --- | --- | --- | | [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Listed: Embroker lists a business owner’s policy with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed | | [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Not listed | Listed: Lockton arranges cargo insurance. [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Listed: Embroker offers help obtaining commercial auto insurance and invites quote requests. [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") | Listed: Lockton arranges commercial auto insurance. [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: Embroker offers help obtaining commercial property insurance and invites property quote requests. [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") | Listed: Lockton arranges commercial property insurance. [32](https://global.lockton.com/us/en/products-services/property "Property Insurance") | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: Embroker lists commercial crime and offers a corresponding quote path. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Lockton arranges commercial crime insurance. [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Embroker lists cyber insurance with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Lockton arranges cyber insurance. [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [28](https://global.lockton.com/us/en/technology "Technology") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Embroker lists directors and officers insurance with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Lockton arranges directors and officers liability insurance. [30](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [28](https://global.lockton.com/us/en/technology "Technology") | | [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits) | Not listed | Listed: Lockton arranges employee health and benefits programs. [34](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Embroker offers quotes for employment practices liability as an individual coverage. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Lockton arranges employment practices liability insurance. [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Embroker lists fiduciary liability with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Lockton arranges fiduciary liability insurance. [35](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Embroker offers a general liability quote route among its individual business coverages. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Lockton arranges general liability insurance. [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | [Key person](https://thegeneralaverage.com/coverage/key-person) | Listed: Embroker arranges key person insurance. [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") | Listed: Lockton arranges key person insurance. [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Listed: Embroker markets a management insurance suite for private companies. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") | Not listed | | [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Listed: Embroker lists product liability insurance for companies that produce, distribute or sell products. [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") | Listed: Lockton arranges product liability insurance. [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") | Listed: Lockton arranges professional errors and omissions insurance. [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Not listed | Listed: Lockton arranges representations and warranties insurance. [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Listed: Embroker arranges construction-contract and license or permit surety bonds. [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") | Listed: Lockton arranges surety bonds. [36](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses. [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") | Not listed | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Not listed | Listed: Lockton arranges umbrella and excess liability insurance. [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | [Venture capital asset protection](https://thegeneralaverage.com/coverage/venture-capital-asset-protection) | Listed: Embroker markets VCAP insurance for venture capital and private equity firms. [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") | Not listed | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: Embroker arranges workers’ compensation insurance. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Lockton arranges workers’ compensation insurance. [33](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms. ## Embroker and Lockton Coverage, Line by Line - [Embroker Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/embroker/commercial-auto) - [Lockton Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-auto) - [Embroker Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/embroker/commercial-property) - [Lockton Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-property) - [Embroker Crime Insurance](https://thegeneralaverage.com/insurance-providers/embroker/crime) - [Lockton Crime Insurance](https://thegeneralaverage.com/insurance-providers/lockton/crime) - [Embroker Cyber Insurance](https://thegeneralaverage.com/insurance-providers/embroker/cyber) - [Lockton Cyber Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cyber) - [Embroker D&O Insurance](https://thegeneralaverage.com/insurance-providers/embroker/directors-officers) - [Lockton D&O Insurance](https://thegeneralaverage.com/insurance-providers/lockton/directors-officers) - [Embroker Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/employment-practices) - [Lockton Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/employment-practices) - [Embroker Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/fiduciary) - [Lockton Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/fiduciary) - [Embroker General Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/general-liability) - [Lockton General Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/general-liability) - [Embroker Key Person Insurance](https://thegeneralaverage.com/insurance-providers/embroker/key-person) - [Lockton Key Person Insurance](https://thegeneralaverage.com/insurance-providers/lockton/key-person) - [Embroker Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/embroker/product-liability) - [Lockton Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/product-liability) - [Embroker Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/embroker/professional-errors-omissions) - [Lockton Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/lockton/professional-errors-omissions) - [Embroker Surety Bonds](https://thegeneralaverage.com/insurance-providers/embroker/surety-bonds) - [Lockton Surety Bonds](https://thegeneralaverage.com/insurance-providers/lockton/surety-bonds) - [Embroker Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/embroker/workers-compensation) - [Lockton Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/lockton/workers-compensation) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between Embroker and Lockton ### Named Insurer Versus Unnamed Markets Embroker names Everspan Indemnity Insurance Company for EMIS and excess technology errors and omissions and cyber. That is a concrete issuer to diligence. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") Lockton’s Terms of Business say it does not undertake to place coverage with any particular insurer. Compare the proposed EMIS forms and insurer with Lockton’s proposed markets; neither public page establishes that Lockton can or cannot access an Embroker program. Embroker’s excess program excludes cyber-only underlying policies. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") ### Starting and Leaving Embroker documents an online start plus broker-assisted placement. Lockton’s public start is an inquiry. [1](https://www.embroker.com/ "Embroker") [38](https://global.lockton.com/us/en/contact-us "Contact Us") Embroker says leaving can remove servicing functions and that a new broker outside Access may be unable to renew proprietary products. Lockton’s terms say it is not responsible for programs placed by another broker. Plan continuity before treating EMIS as the long-term form. [4](https://www.embroker.com/faq/ "Insurance FAQ") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ### Compensation Embroker discloses commissions and possible client fees. Lockton discloses commission, fee and contingent categories. Ask for comparable account-specific fees, commissions and separately charged work. [3](https://www.embroker.com/disclosure/ "Compensation Disclosure") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ## What Should You Confirm in Embroker and Lockton Quotes? - **Issuer and form** on EMIS or excess versus any Lockton proposal, including surplus-lines status. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") - **Underlying technology errors and omissions** if you want Embroker’s named excess. [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") - **Renewal rights** if you later hire Lockton. [4](https://www.embroker.com/faq/ "Insurance FAQ") - **Itemized compensation** on both sides, including separately charged work. [3](https://www.embroker.com/disclosure/ "Compensation Disclosure") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ## Embroker vs Lockton Services Compared What each provider documents about the services you may need. | Criteria | Embroker | Lockton | | --- | --- | --- | | Business role | A lawyers’ liability specimen names Embroker Insurance Services LLC as producer. Confirm the producer and insurer named for your own policy. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Producer named in the lawyers’ liability specimen only. This fact does not establish ultimate ownership, the producer for every product or nationwide licensing.; verified: 2026-09-29.)

Embroker offers its own programs directly and through other brokers; it may do underwriting work under insurer guidelines, but the insurer named in your policy carries the risk. [10](https://access.embroker.com/ "Embroker Access") [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product.; verified: 2026-09-15.)

The reviewed materials do not establish Embroker, Inc.’s ultimate beneficial ownership. [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Not found in reviewed sources; scope: Ultimate beneficial ownership remains unresolved; the reviewed materials do not establish a current controlling parent. Funding or partnership is not ownership proof.; verified: 2026-09-29.) | You work with Lockton as a broker for risk, benefits and retirement programs; it arranges and services policies but is not the risk-bearing insurer. [27](https://global.lockton.com/us/en "Lockton United States") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [46](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)

Confirm the legal producer on your California broker agreement: Lockton’s terms name Lockton Companies, LLC and affiliates, its site operator is Lockton, Inc., and certificates use Lockton Insurance Brokers, LLC as a California DBA. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [40](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [47](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.)

Verify Lockton’s current California producer authority before appointing it: certificates list license 0F15767 for Lockton Companies, LLC dba Lockton Insurance Brokers, LLC, but status, classes and expiration were not independently checked. [47](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [48](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; verified: 2026-09-16.) | | Application process | Embroker provides an online quote entry; the reviewed observation establishes the entry point, not the fields collected. [26](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only observation of the public quote entry at https://app.embroker.com/signup on 15 September 2026; no form submitted or account created.; verified: 2026-09-29.)

An online account alone does not appoint Embroker as your broker; using its brokerage requires a broker-of-record appointment and usually exclusive work with Embroker for those services. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.; verified: 2026-09-15.)

An application may need more underwriting details or be declined, and a quote alone does not start coverage. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §13. No quote or binding transaction performed.; verified: 2026-09-15.) | You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. [38](https://global.lockton.com/us/en/contact-us "Contact Us") [27](https://global.lockton.com/us/en "Lockton United States") [41](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [40](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) | | Access to insurers | Check each policy’s insurer: Embroker names Everspan for EMIS and excess Tech E&O/Cyber, and Everest National for lawyers’ liability; these do not establish one carrier for all products. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Current program marketing and LPL specimen; financial-strength ratings and admission status are not independently established, so no rating is assigned here.; verified: 2026-09-15.) | Ask which insurer will issue your policy because Lockton does not promise a particular carrier or acceptable terms; its pages mention 100+ workers’ compensation markets without naming them and do not identify insurers for your policy. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [29](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [33](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.; verified: 2026-09-16.) | | Servicing and renewals | Existing policyholders may renew legacy management products, but new customers use EMIS; switching requires a new application, according to Embroker. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: Launch announcement’s stated transition rules as of research date; not a renewal guarantee.; verified: 2026-09-15.)

Broker-of-record clients can download policies and certificates from Embroker’s account; custom certificate wording may require a policy endorsement. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Other insurance services; payment/down-payment conditions apply to first-time certificate access. Not independently tested in an authenticated account.; verified: 2026-09-15.)

Check your renewal deadline: some Embroker policies renew through the insurer, while others require a fresh application and underwriting; the effective date on the new policy controls when protection starts. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Renewals. No automatic-renewal promise across all products and no tested service response time.; verified: 2026-09-15.)

Before switching brokers, check access to certificates, policy changes and renewal of proprietary products; Embroker says those account functions may end when its brokerage relationship ends. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Engaging Embroker, What happens if I leave Embroker in the future? Not a finding that existing insurance cancels automatically on a broker change.; verified: 2026-09-15.) | Lockton describes dedicated account teams, risk control and renewal service, including a round-the-clock technology service model; confirm actual service commitments and portal features because public pages provide no standard service agreement. [31](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [28](https://global.lockton.com/us/en/technology "Technology") [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [32](https://global.lockton.com/us/en/products-services/property "Property Insurance") [27](https://global.lockton.com/us/en "Lockton United States") (Evidence: Company-reported; scope: Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review.; verified: 2026-09-16.) | | Fees and compensation | Ask whether your quote includes commissions, contingent or supplemental compensation, or client fees; Embroker says its software is free but insurance services may generate these payments, agreed before binding. [3](https://www.embroker.com/disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Compensation disclosure; no policy-specific rate or amount established. Free software does not mean free insurance or zero distribution compensation.; verified: 2026-09-15.)

Get payment-processing and finance costs separately from broker compensation because processors and premium-finance lenders may charge their own fees. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §§2A and 22; no specific financing offer reviewed.; verified: 2026-09-15.) | Request all commissions and fees for your account: Lockton’s terms allow insurer commissions, client fees, contingent/supplemental compensation, insurer service fees, affiliate reinsurance income and finance interest, but publish no standard rates. [39](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; verified: 2026-09-16.) | ## Provider Profiles for Embroker and Lockton - [What Is Embroker?](https://thegeneralaverage.com/insurance-providers/embroker) - [What Is Lockton?](https://thegeneralaverage.com/insurance-providers/lockton) ## Comparisons Related to Embroker vs Lockton - [AIG vs Embroker](https://thegeneralaverage.com/compare/aig-vs-embroker) - [AIG vs Lockton](https://thegeneralaverage.com/compare/aig-vs-lockton) - [Alliance Risk vs Embroker](https://thegeneralaverage.com/compare/alliance-risk-vs-embroker) - [Alliance Risk vs Lockton](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) - [Amelia Risk vs Embroker](https://thegeneralaverage.com/compare/amelia-risk-vs-embroker) - [Amelia Risk vs Lockton](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) - [Aon vs Embroker](https://thegeneralaverage.com/compare/aon-vs-embroker) - [Aon vs Lockton](https://thegeneralaverage.com/compare/aon-vs-lockton) - [Armilla vs Embroker](https://thegeneralaverage.com/compare/armilla-vs-embroker) - [Armilla vs Lockton](https://thegeneralaverage.com/compare/armilla-vs-lockton) - [At-Bay vs Embroker](https://thegeneralaverage.com/compare/at-bay-vs-embroker) - [At-Bay vs Lockton](https://thegeneralaverage.com/compare/at-bay-vs-lockton) - [The Baldwin Group vs Embroker](https://thegeneralaverage.com/compare/baldwin-vs-embroker) - [The Baldwin Group vs Lockton](https://thegeneralaverage.com/compare/baldwin-vs-lockton) - [Beazley vs Embroker](https://thegeneralaverage.com/compare/beazley-vs-embroker) - [Beazley vs Lockton](https://thegeneralaverage.com/compare/beazley-vs-lockton) - [Berkshire Hathaway Specialty Insurance vs Embroker](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-embroker) - [Berkshire Hathaway Specialty Insurance vs Lockton](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-lockton) - [biBerk vs Embroker](https://thegeneralaverage.com/compare/biberk-vs-embroker) - [biBerk vs Lockton](https://thegeneralaverage.com/compare/biberk-vs-lockton) - [CFC vs Embroker](https://thegeneralaverage.com/compare/cfc-vs-embroker) - [CFC vs Lockton](https://thegeneralaverage.com/compare/cfc-vs-lockton) - [Chubb vs Embroker](https://thegeneralaverage.com/compare/chubb-vs-embroker) - [Chubb vs Lockton](https://thegeneralaverage.com/compare/chubb-vs-lockton) - [CNA vs Embroker](https://thegeneralaverage.com/compare/cna-vs-embroker) - [CNA vs Lockton](https://thegeneralaverage.com/compare/cna-vs-lockton) - [Coalition vs Embroker](https://thegeneralaverage.com/compare/coalition-vs-embroker) - [Coalition vs Lockton](https://thegeneralaverage.com/compare/coalition-vs-lockton) - [Corgi vs Embroker](https://thegeneralaverage.com/compare/corgi-vs-embroker) - [Corgi vs Lockton](https://thegeneralaverage.com/compare/corgi-vs-lockton) - [Coterie Insurance vs Embroker](https://thegeneralaverage.com/compare/coterie-vs-embroker) - [Coterie Insurance vs Lockton](https://thegeneralaverage.com/compare/coterie-vs-lockton) - [Counterpart vs Embroker](https://thegeneralaverage.com/compare/counterpart-vs-embroker) - [Counterpart vs Lockton](https://thegeneralaverage.com/compare/counterpart-vs-lockton) - [Coverdash vs Embroker](https://thegeneralaverage.com/compare/coverdash-vs-embroker) - [Coverdash vs Lockton](https://thegeneralaverage.com/compare/coverdash-vs-lockton) - [Cowbell vs Embroker](https://thegeneralaverage.com/compare/cowbell-vs-embroker) - [Cowbell vs Lockton](https://thegeneralaverage.com/compare/cowbell-vs-lockton) - [Embroker vs Founder Shield](https://thegeneralaverage.com/compare/embroker-vs-foundershield) ## Sources for Embroker vs Lockton ### [Embroker Official Website](https://www.embroker.com/) 1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15. 2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15. 3. [Compensation Disclosure](https://www.embroker.com/disclosure/). Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15. 4. [Insurance FAQ](https://www.embroker.com/faq/). Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15. 5. [Published License List](https://www.embroker.com/licenses/). Embroker; AK–WY list, including DC; California 0K44291. Accessed 2026-09-15. 6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; License-number search for 0K44291. Accessed 2026-09-15. 7. [Embroker Insurance Services LLC — Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC.). Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Accessed 2026-09-15. 8. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages: Business Owners Policy, Commercial Crime, Cyber, Directors & Officers, Employment Practices Liability, Fiduciary Liability, General Liability, Professional Liability (Errors and Omissions), Workers Compensation; Coverages navigation: Lawyers Professional Liability, Professional Liability, Tech Errors and Omissions; industry packages; invitation to seek other policies through Embroker; Get a Quote links. Accessed 2026-09-16. 9. [Embroker Launches EMIS](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; 19 August 2026 announcement: introduction; What’s changing; coverage options (four coverages); legacy renewals versus new business; Availability; About Embroker issuer disclosure naming Everspan Indemnity Insurance Company. Accessed 2026-09-16. 10. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15. 11. [Tech E&O / Cyber — Broker Program](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Tech E&O / Cyber hero; Appetite: private for-profit technology companies, revenue below $300M, MFA above $5M, excluded crypto, blockchain and cannabis industries; Coverage Highlights, including software code infringement; Get Appointed. Accessed 2026-09-16. 12. [Technology Errors And Omissions / Cyber](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15. 13. [Excess Tech E&O / Cyber](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/). Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote; Excess Tech E&O / Cyber. Accessed 2026-09-16. 14. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; standalone lawyers professional liability program; Everest National; coverage highlights and defense cost features. Accessed 2026-09-16. 15. [Everest Elevation Lawyers Professional Liability — Specimen](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf). Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15. 16. [Law Firm Insurance Package](https://www.embroker.com/law/). Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15. 17. [Insurance For Technology Companies](https://www.embroker.com/non-funded-tech-companies/). Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15. 18. [Embroker’s AI Coverage](https://www.embroker.com/blog/embroker-launches-ai-coverage/). Embroker; Article (published 26 May 2026; endorsement effective 5 August 2025): What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Accessed 2026-09-15. 19. [Claims](https://www.embroker.com/claims/). Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15. 20. [Key Person Insurance](https://www.embroker.com/coverage/key-person-insurance/). Embroker; Key Person Insurance product introduction: life insurance for an executive, founder or other critical employee; concierge service; inquiry form and quote route. Accessed 2026-09-16. 21. [Commercial Auto Insurance](https://www.embroker.com/coverage/commercial-auto-insurance/). Embroker; Opening Embroker service offer; Who Is It For? commercial auto quote invitation. Accessed 2026-09-16. 22. [Commercial Property Insurance](https://www.embroker.com/coverage/commercial-property-insurance/). Embroker; Opening Embroker service offer; Who Is It For? property quote invitation. Accessed 2026-09-16. 23. [Surety Bonds](https://www.embroker.com/coverage/surety-bonds/). Embroker; Surety Bonds: opening statement that Embroker helps obtain surety bonds; What are they? (obligee, principal and surety; government agency; license or permit); What Is a Construction Bond?; Get a Quote. Accessed 2026-09-16. 24. [Product Liability Insurance](https://www.embroker.com/coverage/product-liability-insurance/). Embroker; Product Liability Insurance introduction (injury or property damage from products produced, distributed or sold); Why Get It With Embroker?; Get a Quote. Accessed 2026-09-16. 25. [Insurance For Venture Capital And Private Equity Firms](https://www.embroker.com/venture-capital-private-equity-firms/). Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service; comprehensive VCAP insurance for finance/VC/PE firms. Accessed 2026-09-16. 26. [Start An Embroker Quote](https://app.embroker.com/signup). Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue. Accessed 2026-09-15. ### [Lockton Official Website](https://global.lockton.com/us/en) 27. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16. 28. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16. 29. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16. 30. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16. 31. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers’ compensation programs; Casualty Insurance Solutions: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers’ Compensation; dedicated service team. Accessed 2026-09-16. 32. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery. Accessed 2026-09-16. 33. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16. 34. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; integrated health and risk programs; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16. 35. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16. 36. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities across the investment life cycle: D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person insurance and benefits design. Accessed 2026-09-16. 37. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16. 38. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16. 39. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16. 40. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16. 41. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16. 42. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16. 43. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16. 44. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16. 45. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16. 46. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16. 47. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16. 48. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry page. Accessed 2026-09-16. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/compare/embroker-vs-lockton.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)