--- title: "Lockton vs Travelers" description: "Travelers offers agent-placed CyberRisk Tech; Lockton can shop multiple markets and coordinate broader coverage." canonical: "https://thegeneralaverage.com/compare/lockton-vs-travelers" page-type: "provider-comparison" updated-at: "2026-09-25" comparison-pair: "lockton-vs-travelers" provider-a: "lockton" provider-b: "travelers" --- 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/lockton-vs-travelers) ## Agent Guide **What this page is:** Side-by-side comparison of Lockton and Travelers 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 Lockton and Travelers 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 Lockton and Travelers compare? - Which is better for business insurance, Lockton or Travelers? - Does Lockton or Travelers offer the coverage lines I need? - What service and claims differences are documented between Lockton and Travelers? **Key facts:** - Providers compared: Lockton and Travelers. - 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 2026-09-25. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [Lockton profile](https://thegeneralaverage.com/insurance-providers/lockton) — provider profile (evidence for this comparison) - [Travelers profile](https://thegeneralaverage.com/insurance-providers/travelers) — provider profile (evidence for this comparison) - [Lockton Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cargo-transit) — one provider's documented offering for a shared coverage line - [Travelers Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cargo-transit) — 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 - [Travelers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-auto) — 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 - [Travelers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-property) — 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 - [Travelers Crime Insurance](https://thegeneralaverage.com/insurance-providers/travelers/crime) — 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 - [Travelers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cyber) — 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 - [Travelers D&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/directors-officers) — 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 - [Travelers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/employment-practices) — 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 - [Travelers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/fiduciary) — 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 - [Travelers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/general-liability) — 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 - [Travelers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/travelers/professional-errors-omissions) — 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 - [Travelers Surety Bonds](https://thegeneralaverage.com/insurance-providers/travelers/surety-bonds) — one provider's documented offering for a shared coverage line - [Lockton Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/umbrella-excess) — one provider's documented offering for a shared coverage line - [Travelers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/umbrella-excess) — 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 - [Travelers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/travelers/workers-compensation) — one provider's documented offering for a shared coverage line - [AIG vs Lockton](https://thegeneralaverage.com/compare/aig-vs-lockton) — sibling comparison - [AIG vs Travelers](https://thegeneralaverage.com/compare/aig-vs-travelers) — sibling comparison - [Alliance Risk vs Lockton](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) — sibling comparison - [Alliance Risk vs Travelers](https://thegeneralaverage.com/compare/alliance-risk-vs-travelers) — sibling comparison - [Amelia Risk vs Lockton](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) — sibling comparison - [Amelia Risk vs Travelers](https://thegeneralaverage.com/compare/amelia-risk-vs-travelers) — sibling comparison - [Aon vs Lockton](https://thegeneralaverage.com/compare/aon-vs-lockton) — sibling comparison - [Aon vs Travelers](https://thegeneralaverage.com/compare/aon-vs-travelers) — sibling comparison - [Armilla vs Lockton](https://thegeneralaverage.com/compare/armilla-vs-lockton) — sibling comparison - [Armilla vs Travelers](https://thegeneralaverage.com/compare/armilla-vs-travelers) — sibling comparison - [At-Bay vs Lockton](https://thegeneralaverage.com/compare/at-bay-vs-lockton) — sibling comparison - [At-Bay vs Travelers](https://thegeneralaverage.com/compare/at-bay-vs-travelers) — sibling comparison - [The Baldwin Group vs Lockton](https://thegeneralaverage.com/compare/baldwin-vs-lockton) — sibling comparison - [The Baldwin Group vs Travelers](https://thegeneralaverage.com/compare/baldwin-vs-travelers) — sibling comparison - [Beazley vs Lockton](https://thegeneralaverage.com/compare/beazley-vs-lockton) — sibling comparison - [Beazley vs Travelers](https://thegeneralaverage.com/compare/beazley-vs-travelers) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Lockton](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-lockton) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Travelers](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-travelers) — sibling comparison - [biBerk vs Lockton](https://thegeneralaverage.com/compare/biberk-vs-lockton) — sibling comparison - [biBerk vs Travelers](https://thegeneralaverage.com/compare/biberk-vs-travelers) — sibling comparison - [CFC vs Lockton](https://thegeneralaverage.com/compare/cfc-vs-lockton) — sibling comparison - [CFC vs Travelers](https://thegeneralaverage.com/compare/cfc-vs-travelers) — sibling comparison - [Chubb vs Lockton](https://thegeneralaverage.com/compare/chubb-vs-lockton) — sibling comparison - [Chubb vs Travelers](https://thegeneralaverage.com/compare/chubb-vs-travelers) — sibling comparison - [CNA vs Lockton](https://thegeneralaverage.com/compare/cna-vs-lockton) — sibling comparison - [CNA vs Travelers](https://thegeneralaverage.com/compare/cna-vs-travelers) — sibling comparison - [Coalition vs Lockton](https://thegeneralaverage.com/compare/coalition-vs-lockton) — sibling comparison - [Coalition vs Travelers](https://thegeneralaverage.com/compare/coalition-vs-travelers) — sibling comparison - [Corgi vs Lockton](https://thegeneralaverage.com/compare/corgi-vs-lockton) — sibling comparison - [Corgi vs Travelers](https://thegeneralaverage.com/compare/corgi-vs-travelers) — sibling comparison - [Coterie Insurance vs Lockton](https://thegeneralaverage.com/compare/coterie-vs-lockton) — sibling comparison - [Coterie Insurance vs Travelers](https://thegeneralaverage.com/compare/coterie-vs-travelers) — sibling comparison - [Counterpart vs Lockton](https://thegeneralaverage.com/compare/counterpart-vs-lockton) — sibling comparison - [Counterpart vs Travelers](https://thegeneralaverage.com/compare/counterpart-vs-travelers) — sibling comparison - [Coverdash vs Lockton](https://thegeneralaverage.com/compare/coverdash-vs-lockton) — sibling comparison - [Coverdash vs Travelers](https://thegeneralaverage.com/compare/coverdash-vs-travelers) — sibling comparison - [Cowbell vs Lockton](https://thegeneralaverage.com/compare/cowbell-vs-lockton) — sibling comparison - [Cowbell vs Travelers](https://thegeneralaverage.com/compare/cowbell-vs-travelers) — sibling comparison - [Embroker vs Lockton](https://thegeneralaverage.com/compare/embroker-vs-lockton) — sibling comparison - [Embroker vs Travelers](https://thegeneralaverage.com/compare/embroker-vs-travelers) — sibling comparison # Lockton vs Travelers: How Do They Compare for Business Insurance? Travelers offers agent-placed CyberRisk Tech; Lockton can shop multiple markets and coordinate broader coverage. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Lockton vs Travelers in Brief Travelers automates quotes for many small-business risks through agents and offers CyberRisk Tech; Lockton can compare other insurers and broader programs. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [2](https://global.lockton.com/us/en/technology "Technology") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [44](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") ## Lockton and Travelers Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### 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). ### Travelers Reliability Scores Role: Insurance carrier. Carrier & MGA Reliability Score: **6.1/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates The Travelers Indemnity Company A++ (Superior) with a stable outlook, but a rating is an opinion, not a financial statement. Standalone statutory figures for the named insurers were not collected and the other financial evidence describes the consolidated group, so the issuing entity’s own resources are not established.); 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/travelers/reliability). ## 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). ## Travelers Review Scores for 2026 Review Score: 4.8 / 10 from 3 rated sources, equally weighted. Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/travelers/reviews). ## An Overview of Lockton and Travelers A small business seeking a standard Travelers policy may be quoted and bound through an agent platform; a complex technology risk goes to Travelers underwriters. Lockton can compare Travelers with other markets and coordinate cyber, D&O and benefits. [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [2](https://global.lockton.com/us/en/technology "Technology") [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") Choose a Travelers agent for its CyberRisk Tech or an eligible small-business route; choose Lockton to compare markets and coordinate D&O or benefits. A buyer considering Travelers technology coverage and also talking to Lockton is choosing a carrier reached through a producer versus a broker that may or may not include Travelers paper. The useful question is whether Lockton’s proposed markets include Travelers and who coordinates technology/cyber and management-liability placements; a Travelers policy is not a benefits engagement. [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [2](https://global.lockton.com/us/en/technology "Technology") [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") ## What Stands Out About Lockton and Travelers? ### Lockton at a Glance - Lockton brokers help businesses arrange insurance, employee benefits and retirement programs. [1](https://global.lockton.com/us/en "Lockton United States") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [20](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. [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [10](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.) ### Travelers at a Glance - Startups and established tech companies can explore CyberRisk Tech, which can combine cyber and technology E&O. [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [26](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [24](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.) - Buy through an independent agent; many small accounts can be quoted and issued in an agent platform, while specialty technology risks need underwriting. [28](https://www.travelers.com/contact-us "Contact Us") [45](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [44](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) ## Lockton vs Travelers Coverage Lines Compared | Coverage Type | Lockton | Travelers | | --- | --- | --- | | [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Not listed | Listed: Travelers offers business owner’s policies for small technology-services businesses. [24](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") | | [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Listed: Lockton arranges cargo insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed: Travelers offers cargo insurance through its transportation, cargo and logistics offering. [35](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Listed: Lockton arranges commercial auto insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed: Travelers offers commercial auto insurance. [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: Lockton arranges commercial property insurance. [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") | Listed: Travelers offers commercial property insurance. [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: Lockton arranges commercial crime insurance. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed: Travelers offers commercial crime insurance. [34](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Lockton arranges cyber insurance. [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [2](https://global.lockton.com/us/en/technology "Technology") | Listed: Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies. [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Lockton arranges directors and officers liability insurance. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://global.lockton.com/us/en/technology "Technology") | Listed: Travelers offers directors and officers liability insurance. [31](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") | | [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits) | Listed: Lockton arranges employee health and benefits programs. [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") | Not listed | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Lockton arranges employment practices liability insurance. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed: Travelers offers employment practices liability insurance. [33](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") | | [Equipment breakdown](https://thegeneralaverage.com/coverage/equipment-breakdown) | Not listed | Listed: Travelers offers equipment breakdown insurance. [37](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") | | [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Not listed | Listed: Travelers offers ERISA fidelity bonds. [36](https://www.travelers.com/surety-bond "Surety Bonds") [30](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Lockton arranges fiduciary liability insurance. [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") | Listed: Travelers offers fiduciary liability insurance. [32](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Lockton arranges general liability insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed: Travelers offers general liability insurance. [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | [Key person](https://thegeneralaverage.com/coverage/key-person) | Listed: Lockton arranges key person insurance. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed | | [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Not listed | Listed: Travelers offers kidnap and ransom insurance. [30](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [41](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Not listed | Listed: Travelers offers management liability insurance. [30](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | [Media liability](https://thegeneralaverage.com/coverage/media) | Not listed | Listed: Travelers offers media liability insurance through CyberRisk Tech for technology and life-sciences companies. [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Listed: Lockton arranges product liability insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Not listed | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Lockton arranges professional errors and omissions insurance. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed: Travelers offers professional errors and omissions insurance. [49](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") | | [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Listed: Lockton arranges representations and warranties insurance. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Listed: Lockton arranges surety bonds. [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed: Travelers offers surety bonds. [36](https://www.travelers.com/surety-bond "Surety Bonds") | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Not listed | Listed: Travelers offers technology errors and omissions insurance through CyberRisk Tech for technology and life-sciences companies. [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Not listed | Listed: Travelers offers inland marine insurance. [35](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: Lockton arranges umbrella and excess liability insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed: Travelers offers commercial umbrella and excess liability insurance. [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [48](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: Lockton arranges workers’ compensation insurance. [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed: Travelers offers workers’ compensation insurance. [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [47](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation 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. ## Lockton and Travelers Coverage, Line by Line - [Lockton Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cargo-transit) - [Travelers Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cargo-transit) - [Lockton Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-auto) - [Travelers Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-auto) - [Lockton Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-property) - [Travelers Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/travelers/commercial-property) - [Lockton Crime Insurance](https://thegeneralaverage.com/insurance-providers/lockton/crime) - [Travelers Crime Insurance](https://thegeneralaverage.com/insurance-providers/travelers/crime) - [Lockton Cyber Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cyber) - [Travelers Cyber Insurance](https://thegeneralaverage.com/insurance-providers/travelers/cyber) - [Lockton D&O Insurance](https://thegeneralaverage.com/insurance-providers/lockton/directors-officers) - [Travelers D&O Insurance](https://thegeneralaverage.com/insurance-providers/travelers/directors-officers) - [Lockton Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/employment-practices) - [Travelers Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/employment-practices) - [Lockton Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/fiduciary) - [Travelers Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/fiduciary) - [Lockton General Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/general-liability) - [Travelers General Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/general-liability) - [Lockton Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/lockton/professional-errors-omissions) - [Travelers Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/travelers/professional-errors-omissions) - [Lockton Surety Bonds](https://thegeneralaverage.com/insurance-providers/lockton/surety-bonds) - [Travelers Surety Bonds](https://thegeneralaverage.com/insurance-providers/travelers/surety-bonds) - [Lockton Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/umbrella-excess) - [Travelers Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/travelers/umbrella-excess) - [Lockton Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/lockton/workers-compensation) - [Travelers Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/travelers/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 Lockton and Travelers ### Who Bears the Risk Travelers is the property-casualty insurer group. Lockton is the intermediary. Notice to the broker is not automatically notice to Travelers. [39](https://www.travelers.com/claims/file-claim/business "File a Business Claim") [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") ### How You Reach the Market Travelers’ Form 10-K describes Select Accounts automation for many small-business risks through agents, while more complex risks are underwritten with company personnel. That does not establish that every technology submission follows the automated route. Lockton’s client process is an inquiry to Lockton. [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [12](https://global.lockton.com/us/en/contact-us "Contact Us") ### Compensation You Do Not See Directly Travelers generally pays producers base commissions and may pay contingent or other disclosed compensation, but a given placement may receive none or not all of those categories. Lockton may receive insurer commissions, client fees or additional compensation under its terms. Independence is not “no commission.” [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ## What Should You Confirm in Lockton and Travelers Quotes? - **Whether the Lockton proposal includes Travelers** and on which company paper, versus using a producer from Travelers’ agency locator; identify who coordinates the placement. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [44](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") - **If using a Travelers-appointed producer**, who would place directors and officers liability, cyber and benefits that Lockton lists as brokerage services. [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") - **Policy-required notice recipient and claims responsibilities:** Travelers offers agent, online, MyTravelers and phone reporting, while Lockton describes advocacy. Ask which party must receive notice and what each service team does. [39](https://www.travelers.com/claims/file-claim/business "File a Business Claim") [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") ## Lockton vs Travelers Services Compared What each provider documents about the services you may need. | Criteria | Lockton | Travelers | | --- | --- | --- | | Business role | 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. [1](https://global.lockton.com/us/en "Lockton United States") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [20](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. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [21](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. [21](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") [22](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.) | Travelers sells property-and-casualty insurance through its operating subsidiaries; The Travelers Companies, Inc. is the holding company, not the policy issuer. Policies may name The Travelers Indemnity Company or another affiliate. [50](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [43](https://www.travelers.com/about-travelers "Who We Are") [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.)

Travelers says it primarily sells U.S. insurance through independent agents and brokers, whom it calls producers and who are not Travelers employees. It also owns Simply Business, Inc. and InsuraMatch, LLC, licensed digital independent agencies it says operate nationwide. [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [28](https://www.travelers.com/contact-us "Contact Us") [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") (Evidence: Company-reported; scope: U.S. distribution disclosure. Ownership of digital agencies does not establish that those agencies place technology business insurance for a given buyer, including in California.; verified: 2026-09-16.) | | Application process | 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. [12](https://global.lockton.com/us/en/contact-us "Contact Us") [1](https://global.lockton.com/us/en "Lockton United States") [15](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [14](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.) | Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Technology and CyberRisk Tech pages likewise tell buyers to consult an agent or Travelers representative; a direct public bind path for technology packages was not found on the reviewed pages. [28](https://www.travelers.com/contact-us "Contact Us") [45](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [44](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) | | Access to insurers | 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. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [7](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.) | Travelers is the brand. Product footers name The Travelers Indemnity Company and its property-casualty affiliates, and Bond & Specialty pages name Travelers Casualty and Surety Company of America and affiliates. Umbrella materials also describe Northfield excess-and-surplus coverage for some hard-to-place risks. The issuing company, admitted or surplus status, and any fronting or network partner remain quote-specific. [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [47](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [31](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") [48](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [41](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Entities named on current marketing and compensation pages. This research does not assign one issuer to the entire technology catalogue or to California placements.; verified: 2026-09-16.) | | Fees and compensation | 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. [13](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.) | Travelers discloses that it generally pays independent producers a base commission as a percentage of premium, and may also pay contingent compensation, value-based amounts, production incentives, promotional reimbursements, strategic-relationship amounts or service fees. It might not pay all, or any, of those types on a given placement. Percentages vary by business, risk and state. Account-specific amounts are directed to the buyer’s agent or broker. [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Company-reported; scope: U.S. producer-compensation disclosure accessed 16 September 2026. This describes what Travelers may pay producers, not a buyer-facing fee schedule.; verified: 2026-09-16.)

The reviewed public pages do not publish a standard premium, deductible schedule or buyer-paid broker fee for technology insurance. Travelers states that cost depends on coverage types, limits and the business’s risks, location and size, and tells buyers to work with an insurance professional. [27](https://www.travelers.com/business-insurance "Business and Commercial Insurance Policy Quotes") [47](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Not publicly disclosed; scope: Business-insurance and workers-compensation marketing pages accessed 16 September 2026. Absence of a public price list is not evidence that coverage is free or that no fees apply.; verified: 2026-09-16.) | | Claims assistance | Lockton says its integrated claims team helps investigate, map facts to coverage and negotiate with insurers, but Lockton does not pay claims; service descriptions do not establish claim outcomes or quality. [2](https://global.lockton.com/us/en/technology "Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; verified: 2026-09-16.) | Travelers says business-insurance losses can be reported 24 hours a day, 365 days a year by contacting the agent, using the online claim system or MyTravelers for Business, or calling 800-238-6225. It describes a dedicated Technology claim unit staffed since 1998 with claim attorneys and insurance professionals. Those statements describe access paths and an internal unit; they do not establish claim outcomes or coverage decisions. [38](https://www.travelers.com/business-insurance/claims "Business Insurance Claims") [39](https://www.travelers.com/claims/file-claim/business "File a Business Claim") [28](https://www.travelers.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Business claims and technology-claim sections accessed 16 September 2026. Reporting a claim is not the same as coverage being granted.; verified: 2026-09-16.) | ## Provider Profiles for Lockton and Travelers - [What Is Lockton?](https://thegeneralaverage.com/insurance-providers/lockton) - [What Is Travelers Insurance?](https://thegeneralaverage.com/insurance-providers/travelers) ## Comparisons Related to Lockton vs Travelers - [AIG vs Lockton](https://thegeneralaverage.com/compare/aig-vs-lockton) - [AIG vs Travelers](https://thegeneralaverage.com/compare/aig-vs-travelers) - [Alliance Risk vs Lockton](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) - [Alliance Risk vs Travelers](https://thegeneralaverage.com/compare/alliance-risk-vs-travelers) - [Amelia Risk vs Lockton](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) - [Amelia Risk vs Travelers](https://thegeneralaverage.com/compare/amelia-risk-vs-travelers) - [Aon vs Lockton](https://thegeneralaverage.com/compare/aon-vs-lockton) - [Aon vs Travelers](https://thegeneralaverage.com/compare/aon-vs-travelers) - [Armilla vs Lockton](https://thegeneralaverage.com/compare/armilla-vs-lockton) - [Armilla vs Travelers](https://thegeneralaverage.com/compare/armilla-vs-travelers) - [At-Bay vs Lockton](https://thegeneralaverage.com/compare/at-bay-vs-lockton) - [At-Bay vs Travelers](https://thegeneralaverage.com/compare/at-bay-vs-travelers) - [The Baldwin Group vs Lockton](https://thegeneralaverage.com/compare/baldwin-vs-lockton) - [The Baldwin Group vs Travelers](https://thegeneralaverage.com/compare/baldwin-vs-travelers) - [Beazley vs Lockton](https://thegeneralaverage.com/compare/beazley-vs-lockton) - [Beazley vs Travelers](https://thegeneralaverage.com/compare/beazley-vs-travelers) - [Berkshire Hathaway Specialty Insurance vs Lockton](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-lockton) - [Berkshire Hathaway Specialty Insurance vs Travelers](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-travelers) - [biBerk vs Lockton](https://thegeneralaverage.com/compare/biberk-vs-lockton) - [biBerk vs Travelers](https://thegeneralaverage.com/compare/biberk-vs-travelers) - [CFC vs Lockton](https://thegeneralaverage.com/compare/cfc-vs-lockton) - [CFC vs Travelers](https://thegeneralaverage.com/compare/cfc-vs-travelers) - [Chubb vs Lockton](https://thegeneralaverage.com/compare/chubb-vs-lockton) - [Chubb vs Travelers](https://thegeneralaverage.com/compare/chubb-vs-travelers) - [CNA vs Lockton](https://thegeneralaverage.com/compare/cna-vs-lockton) - [CNA vs Travelers](https://thegeneralaverage.com/compare/cna-vs-travelers) - [Coalition vs Lockton](https://thegeneralaverage.com/compare/coalition-vs-lockton) - [Coalition vs Travelers](https://thegeneralaverage.com/compare/coalition-vs-travelers) - [Corgi vs Lockton](https://thegeneralaverage.com/compare/corgi-vs-lockton) - [Corgi vs Travelers](https://thegeneralaverage.com/compare/corgi-vs-travelers) - [Coterie Insurance vs Lockton](https://thegeneralaverage.com/compare/coterie-vs-lockton) - [Coterie Insurance vs Travelers](https://thegeneralaverage.com/compare/coterie-vs-travelers) - [Counterpart vs Lockton](https://thegeneralaverage.com/compare/counterpart-vs-lockton) - [Counterpart vs Travelers](https://thegeneralaverage.com/compare/counterpart-vs-travelers) - [Coverdash vs Lockton](https://thegeneralaverage.com/compare/coverdash-vs-lockton) - [Coverdash vs Travelers](https://thegeneralaverage.com/compare/coverdash-vs-travelers) - [Cowbell vs Lockton](https://thegeneralaverage.com/compare/cowbell-vs-lockton) - [Cowbell vs Travelers](https://thegeneralaverage.com/compare/cowbell-vs-travelers) - [Embroker vs Lockton](https://thegeneralaverage.com/compare/embroker-vs-lockton) - [Embroker vs Travelers](https://thegeneralaverage.com/compare/embroker-vs-travelers) ## Sources for Lockton vs Travelers ### [Lockton Official Website](https://global.lockton.com/us/en) 1. [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. 2. [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. 3. [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. 4. [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. 5. [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. 6. [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. 7. [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. 8. [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. 9. [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. 10. [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. 11. [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. 12. [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. 13. [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. 14. [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. 15. [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. 16. [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. 17. [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. 18. [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. 19. [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. 20. [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. 21. [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. 22. [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. ### [Travelers Official Website](https://www.travelers.com/business-insurance/technology) 23. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 24. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). Travelers; Technology services BOP inclusions; eligible small-business classes; EPL+ and World Business Essentials add-ons; independent-agent CTA. Accessed 2026-09-16. 25. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech product description; insuring agreements including technology E&O, privacy and security, media, regulatory proceedings and breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16. 26. [IT Insurance](https://www.travelers.com/business-insurance/technology/information-technology). Travelers; IT audience (software, consultants, staffing, network integration) and listed products including CyberRisk Tech and employment practices liability. Accessed 2026-09-16. 27. [Business and Commercial Insurance Policy Quotes](https://www.travelers.com/business-insurance). Travelers; Find an insurance agent CTA; product tiles including cyber, management and professional liability, BOP, surety, workers compensation; cost depends on risk factors; A.M. Best A++ company statement. Accessed 2026-09-16. 28. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 29. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 30. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; Management & Professional Liability product selection: D&O, EPL, ERISA fidelity, E&O, fidelity and crime, fiduciary, kidnap and ransom; stand-alone or suite; private, public, nonprofit and financial institutions. Accessed 2026-09-16. 31. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; D&O product description; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 32. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; Fiduciary liability offering for private, public, nonprofit and financial institutions; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 33. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; EPL product description for private, public, nonprofit and financial institutions; independent-agent CTA. Accessed 2026-09-16. 34. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; Fidelity and crime insuring agreements including social engineering, computer fraud and employee dishonesty; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 35. [Inland Marine Insurance](https://www.travelers.com/business-insurance/inland-marine). Travelers; Inland Marine products: construction and specialized property, property in transit, computers and electronics; Transportation, Cargo and Logistics. Accessed 2026-09-16. 36. [Surety Bonds](https://www.travelers.com/surety-bond). Travelers; Listed bond types including bid/performance/payment, license and permit, and ERISA fidelity. Accessed 2026-09-16. 37. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21 equipment-breakdown package, including high-tech businesses among stated audiences. Accessed 2026-09-16. 38. [Business Insurance Claims](https://www.travelers.com/business-insurance/claims). Travelers; 24/7/365 reporting via agent, online system or 800.238.6225; Technology claim unit since 1998; equipment-breakdown and inland marine claim units. Accessed 2026-09-16. 39. [File a Business Claim](https://www.travelers.com/claims/file-claim/business). Travelers; MyTravelers for Business login path to file a claim. Accessed 2026-09-16. 40. [MyTravelers for Business Online Self-Service Capabilities](https://www.travelers.com/small-business-insurance/mytravelers). Travelers; Pay bills, report and track claims, policy documents, certificates; footnotes limiting some features to Select Accounts and National Programs Commercial Multi-Peril customers. Accessed 2026-09-16. 41. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; Global Companion Plus+ coverages; U.S. product described as non-admitted; INI network in over 150 countries; kidnap and ransom among listed coverages. Accessed 2026-09-16. 42. [Global Insurance](https://www.travelers.com/business-insurance/global). Travelers; Global insurance for U.S. companies doing business abroad; Global Companion Plus+ versus Controlled Master Programs. Accessed 2026-09-16. 43. [Who We Are](https://www.travelers.com/about-travelers). Travelers; Property-casualty insurer; more than 30,000 employees and 15,000 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland. Accessed 2026-09-16. 44. [Benefit from the Personal Attention of a Travelers Independent Agent](https://www.travelers.com/about-travelers/value-of-an-agent). Travelers; Independent agents are not captive to one company; can help with claims and policy updates; Travelers.com/find agent CTA. Accessed 2026-09-16. 45. [Find the nearest Travelers Insurance agency](https://agent.travelers.com/search). Travelers; Public independent-agency locator for home, auto, business and renters insurance. Accessed 2026-09-16. 46. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16. 47. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; Product description; buy via local Travelers agent; The Travelers Indemnity Company footer; monopolistic-state qualification. Accessed 2026-09-16. 48. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; Commercial Umbrella Insurance introduction; A/B umbrella, excess liability and Northfield excess and surplus lines; purchase through an independent agent. Accessed 2026-09-16. 49. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16. 50. [Travelers Investor Relations Corporate Profile](https://investor.travelers.com/home/default.aspx). The Travelers Companies, Inc.; NYSE: TRV; property casualty insurance for auto, home and business sold primarily through independent agents and brokers; operations in the United States and selected international markets. Accessed 2026-09-16. 51. [The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm). U.S. Securities and Exchange Commission; Item 1 Business: holding company; Business Insurance distributed through independent agencies and brokers; Select Accounts automated quote/bind/issue for many small risks; Bond & Specialty distribution; California premium-share tables. Accessed 2026-09-16. 52. [California Department of Insurance company profile: Travelers Indemnity Company (The)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile). California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548; authorized lines including liability, fire, workers’ compensation and surety. Accessed 2026-09-16. 53. [California Department of Insurance company profile: Travelers Casualty and Surety Company of America](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile). California Department of Insurance; NAIC 31194; California Company ID 2444-8; authorized 07/31/1981; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548. Accessed 2026-09-16. Updated 2026-09-25. 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/lockton-vs-travelers.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)