--- title: "Lockton vs USI" description: "Lockton offers dedicated service teams; USI combines USI ONE analytics with PATH loss-control recommendations." canonical: "https://thegeneralaverage.com/compare/lockton-vs-usi" page-type: "provider-comparison" updated-at: "2026-09-25" comparison-pair: "lockton-vs-usi" provider-a: "lockton" provider-b: "usi" --- 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-usi) ## Agent Guide **What this page is:** Side-by-side comparison of Lockton and USI 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 USI 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 USI compare? - Which is better for business insurance, Lockton or USI? - Does Lockton or USI offer the coverage lines I need? - What service and claims differences are documented between Lockton and USI? **Key facts:** - Providers compared: Lockton and USI. - 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. - 32 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) - [USI profile](https://thegeneralaverage.com/insurance-providers/usi) — 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 - [USI Insurance Services Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/usi/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 - [USI Insurance Services Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/usi/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 - [USI Insurance Services Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/usi/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 - [USI Insurance Services Crime Insurance](https://thegeneralaverage.com/insurance-providers/usi/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 - [USI Insurance Services Cyber Insurance](https://thegeneralaverage.com/insurance-providers/usi/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 - [USI Insurance Services D&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/directors-officers) — one provider's documented offering for a shared coverage line - [Lockton Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/lockton/employee-health-benefits) — one provider's documented offering for a shared coverage line - [USI Insurance Services Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/usi/employee-health-benefits) — 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 - [USI Insurance Services Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/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 - [USI Insurance Services Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/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 - [USI Insurance Services General Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/general-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 - [USI Insurance Services Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/product-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 - [USI Insurance Services Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/usi/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Lockton Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/lockton/representations-warranties) — one provider's documented offering for a shared coverage line - [USI Insurance Services Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/usi/representations-warranties) — 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 - [USI Insurance Services Surety Bonds](https://thegeneralaverage.com/insurance-providers/usi/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 - [USI Insurance Services Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/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 - [USI Insurance Services Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/usi/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 USI Insurance Services](https://thegeneralaverage.com/compare/aig-vs-usi) — sibling comparison - [Alliance Risk vs Lockton](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) — sibling comparison - [Alliance Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/alliance-risk-vs-usi) — sibling comparison - [Amelia Risk vs Lockton](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) — sibling comparison - [Amelia Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/amelia-risk-vs-usi) — sibling comparison - [Aon vs Lockton](https://thegeneralaverage.com/compare/aon-vs-lockton) — sibling comparison - [Aon vs USI Insurance Services](https://thegeneralaverage.com/compare/aon-vs-usi) — sibling comparison - [Armilla vs Lockton](https://thegeneralaverage.com/compare/armilla-vs-lockton) — sibling comparison - [Armilla vs USI Insurance Services](https://thegeneralaverage.com/compare/armilla-vs-usi) — sibling comparison - [At-Bay vs Lockton](https://thegeneralaverage.com/compare/at-bay-vs-lockton) — sibling comparison - [At-Bay vs USI Insurance Services](https://thegeneralaverage.com/compare/at-bay-vs-usi) — sibling comparison - [The Baldwin Group vs Lockton](https://thegeneralaverage.com/compare/baldwin-vs-lockton) — sibling comparison - [The Baldwin Group vs USI Insurance Services](https://thegeneralaverage.com/compare/baldwin-vs-usi) — sibling comparison - [Beazley vs Lockton](https://thegeneralaverage.com/compare/beazley-vs-lockton) — sibling comparison - [Beazley vs USI Insurance Services](https://thegeneralaverage.com/compare/beazley-vs-usi) — 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 USI Insurance Services](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-usi) — sibling comparison - [biBerk vs Lockton](https://thegeneralaverage.com/compare/biberk-vs-lockton) — sibling comparison - [biBerk vs USI Insurance Services](https://thegeneralaverage.com/compare/biberk-vs-usi) — sibling comparison - [CFC vs Lockton](https://thegeneralaverage.com/compare/cfc-vs-lockton) — sibling comparison - [CFC vs USI Insurance Services](https://thegeneralaverage.com/compare/cfc-vs-usi) — sibling comparison - [Chubb vs Lockton](https://thegeneralaverage.com/compare/chubb-vs-lockton) — sibling comparison - [Chubb vs USI Insurance Services](https://thegeneralaverage.com/compare/chubb-vs-usi) — sibling comparison - [CNA vs Lockton](https://thegeneralaverage.com/compare/cna-vs-lockton) — sibling comparison - [CNA vs USI Insurance Services](https://thegeneralaverage.com/compare/cna-vs-usi) — sibling comparison - [Coalition vs Lockton](https://thegeneralaverage.com/compare/coalition-vs-lockton) — sibling comparison - [Coalition vs USI Insurance Services](https://thegeneralaverage.com/compare/coalition-vs-usi) — sibling comparison - [Corgi vs Lockton](https://thegeneralaverage.com/compare/corgi-vs-lockton) — sibling comparison - [Corgi vs USI Insurance Services](https://thegeneralaverage.com/compare/corgi-vs-usi) — sibling comparison - [Coterie Insurance vs Lockton](https://thegeneralaverage.com/compare/coterie-vs-lockton) — sibling comparison - [Coterie Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/coterie-vs-usi) — sibling comparison - [Counterpart vs Lockton](https://thegeneralaverage.com/compare/counterpart-vs-lockton) — sibling comparison - [Counterpart vs USI Insurance Services](https://thegeneralaverage.com/compare/counterpart-vs-usi) — sibling comparison - [Coverdash vs Lockton](https://thegeneralaverage.com/compare/coverdash-vs-lockton) — sibling comparison - [Coverdash vs USI Insurance Services](https://thegeneralaverage.com/compare/coverdash-vs-usi) — sibling comparison - [Cowbell vs Lockton](https://thegeneralaverage.com/compare/cowbell-vs-lockton) — sibling comparison - [Cowbell vs USI Insurance Services](https://thegeneralaverage.com/compare/cowbell-vs-usi) — sibling comparison - [Embroker vs Lockton](https://thegeneralaverage.com/compare/embroker-vs-lockton) — sibling comparison - [Embroker vs USI Insurance Services](https://thegeneralaverage.com/compare/embroker-vs-usi) — sibling comparison # Lockton vs USI Insurance Services: How Do They Compare for Business Insurance? Lockton offers dedicated service teams; USI combines USI ONE analytics with PATH loss-control recommendations. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Lockton vs USI Insurance Services Highlights Lockton offers dedicated teams, policy administration and claims advocacy; USI offers USI ONE analytics and PATH loss-driver and vendor recommendations. [20](https://global.lockton.com/us/en/our-story "Our Story") [2](https://global.lockton.com/us/en/technology "Technology") [24](https://www.usi.com/about-usi "The Power of ONE") [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") ## Current Reliability Scores for Lockton and USI Insurance Services 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). ### USI Insurance Services Reliability Scores Role: Broker. Broker Reliability Score: **5.3/10** (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/usi/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). ## USI Insurance Services Review Scores for 2026 Review Score: 6.4 / 10 from 1 rated source, equally weighted. USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business. - BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/usi/reviews). ## Introduction to the Lockton vs USI Insurance Services Comparison A company with recurring cyber claims or vendor-related losses may benefit from reviewing USI’s USI ONE analytics and PATH recommendations. Lockton describes dedicated broking teams, renewal services, policy administration and claims advocacy; USI routes claims assistance through an account team. [25](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [40](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/ "Reduce Claims and Costs by Optimizing Your Risk Control") [2](https://global.lockton.com/us/en/technology "Technology") [41](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") Choose USI if analytics and loss-driver recommendations fit your account; choose Lockton if you want dedicated renewal and claims service teams. ## Buyer Takeaways for Lockton vs USI Insurance Services ### Lockton Buyer Takeaways - 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.) ### USI Insurance Services Buyer Takeaways - USI’s Technology practice says it serves software, hardware and related companies from seed stage through IPO. [24](https://www.usi.com/about-usi "The Power of ONE") [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.) - USI says insurer commissions are typical and additional contingent compensation may apply; buyers can request details. [30](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) ## Lockton vs USI Insurance Services Coverage Lines Compared | Coverage Type | Lockton | USI Insurance Services | | --- | --- | --- | | [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: USI arranges cargo and transit insurance. [32](https://www.usi.com/property-casualty/technology/ "Technology 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: USI arranges commercial auto insurance. [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [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: USI arranges commercial property insurance. [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | [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: USI arranges crime insurance. [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [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: USI arranges cyber insurance. [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [37](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | [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: USI arranges directors and officers liability insurance. [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [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") | Listed: USI advises employers on health-plan design, medical costs, pharmacy and benefits administration. [36](https://www.usi.com/employee-benefits "Employee Benefits") | | [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: USI arranges employment practices liability insurance. [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [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: USI arranges fiduciary liability insurance. [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [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: USI arranges general liability insurance. [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [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: USI arranges kidnap and ransom insurance. [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Not listed | Listed: USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance. [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [Medical malpractice](https://thegeneralaverage.com/coverage/medical-malpractice) | Not listed | Listed: USI arranges medical malpractice insurance. [35](https://www.usi.com/property-casualty/healthcare/ "Healthcare") | | [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") | Listed: USI arranges product liability insurance. [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") | | [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: USI arranges professional errors and omissions insurance. [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [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") | Listed: USI arranges representations and warranties insurance. [34](https://www.usi.com/property-casualty/private-equity "Private Equity") | | [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: USI arranges contract, commercial and international surety bonds. | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Not listed | Listed: USI arranges technology errors and omissions insurance. [32](https://www.usi.com/property-casualty/technology/ "Technology 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: USI arranges umbrella and excess liability. [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | | [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: USI arranges workers’ compensation insurance. [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [33](https://www.usi.com/property-casualty/business-services/ "Business Services") | 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 vs USI Insurance Services Research by Coverage Line - [Lockton Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cargo-transit) - [USI Insurance Services Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/usi/cargo-transit) - [Lockton Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-auto) - [USI Insurance Services Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-auto) - [Lockton Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-property) - [USI Insurance Services Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/usi/commercial-property) - [Lockton Crime Insurance](https://thegeneralaverage.com/insurance-providers/lockton/crime) - [USI Insurance Services Crime Insurance](https://thegeneralaverage.com/insurance-providers/usi/crime) - [Lockton Cyber Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cyber) - [USI Insurance Services Cyber Insurance](https://thegeneralaverage.com/insurance-providers/usi/cyber) - [Lockton D&O Insurance](https://thegeneralaverage.com/insurance-providers/lockton/directors-officers) - [USI Insurance Services D&O Insurance](https://thegeneralaverage.com/insurance-providers/usi/directors-officers) - [Lockton Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/lockton/employee-health-benefits) - [USI Insurance Services Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/usi/employee-health-benefits) - [Lockton Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/employment-practices) - [USI Insurance Services Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/employment-practices) - [Lockton Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/fiduciary) - [USI Insurance Services Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/fiduciary) - [Lockton General Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/general-liability) - [USI Insurance Services General Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/general-liability) - [Lockton Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/product-liability) - [USI Insurance Services Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/product-liability) - [Lockton Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/lockton/professional-errors-omissions) - [USI Insurance Services Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/usi/professional-errors-omissions) - [Lockton Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/lockton/representations-warranties) - [USI Insurance Services Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/usi/representations-warranties) - [Lockton Surety Bonds](https://thegeneralaverage.com/insurance-providers/lockton/surety-bonds) - [USI Insurance Services Surety Bonds](https://thegeneralaverage.com/insurance-providers/usi/surety-bonds) - [Lockton Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/umbrella-excess) - [USI Insurance Services Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/usi/umbrella-excess) - [Lockton Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/lockton/workers-compensation) - [USI Insurance Services Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/usi/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 USI ### Ownership Trajectory Ask USI which legal entity and service team will run the account if the Aon deal closes, and whether compensation disclosures change. Lockton’s independence language does not by itself prove better terms. [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") [20](https://global.lockton.com/us/en/our-story "Our Story") ### How You Engage Both use inquiry inboxes rather than public bind. USI points technology and property and casualty questions to `pcinquiries@usi.com` or local offices. Lockton uses Ask an Expert and practice emails. [24](https://www.usi.com/about-usi "The Power of ONE") [12](https://global.lockton.com/us/en/contact-us "Contact Us") ### Compensation USI says compensation is customarily an insurer commission unless negotiated and may include additional compensation from insurers or intermediaries; account-specific amounts require a proposal. [30](https://www.usi.com/commissions-fees/ "Commissions and Fees") Lockton lists commissions, client fees and contingent or supplemental compensation and asks clients to request account-specific details. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") Ask for compensation on the account and on alternative quotes, separately from policy premium. ### Service, Claims and Renewal Lockton describes dedicated broking teams, renewal services, policy administration and an integrated claims-advocacy team; it says that advocacy does not make Lockton the claims-paying insurer. [2](https://global.lockton.com/us/en/technology "Technology") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") USI describes USI ONE’s analytics and specialist planning, PATH’s loss-driver and vendor recommendations, and claims assistance routed through the office or account team. [25](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [40](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/ "Reduce Claims and Costs by Optimizing Your Risk Control") [41](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") These are company-described services, not claims outcomes. Ask what deliverables the engagement includes, who leads a cyber notice and how the broker’s process aligns with the insurer’s instructions. ## What Should You Confirm in Lockton and USI Quotes? - **Producer entity and any Aon-related transition** in the USI engagement agreement, while keeping the policy insurer separate. [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") - **Markets approached** for technology lines; both firms leave issuers unnamed on public product pages. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") - **Service and claims deliverables**, including who leads a cyber notice and how the broker’s process aligns with insurer instructions. [2](https://global.lockton.com/us/en/technology "Technology") [41](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") - **Written compensation** on the same lines. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ## Lockton vs USI Insurance Services Services Compared What each provider documents about the services you may need. | Criteria | Lockton | USI Insurance Services | | --- | --- | --- | | 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.) | USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. [24](https://www.usi.com/about-usi "The Power of ONE") [23](https://www.usi.com/ "Insurance Brokerage and Consulting") [30](https://www.usi.com/commissions-fees/ "Commissions and Fees") [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.; verified: 2026-09-16.)

USI’s commissions page states that, as a licensed insurance producer, it may advise on insurance contracts, sell insurance, and obtain coverages for clients. Privacy and staff materials identify the operating company as USI Insurance Services LLC. Current California producer-license status remains independently unverified. [30](https://www.usi.com/commissions-fees/ "Commissions and Fees") [29](https://www.usi.com/privacy/ "Privacy") [44](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") (Evidence: Company-reported; scope: Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.; verified: 2026-09-16.)

On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. [43](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; 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.) | USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [27](https://www.usi.com/contact-us/ "Contact Us") [39](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Public inquiry paths as of access date. Not an application completeness or speed claim.; 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.) | Unless otherwise negotiated, USI says compensation for placing coverage is customarily a commission calculated as a percentage of premium and paid by the insurer. It may also receive additional monetary and non-monetary compensation from insurers or intermediaries (including affiliates), which can be contingent on volume, profitability, or other factors, and some agreements include growth or distribution incentives. Clients may request the nature and source of expected compensation, including on alternative quotes. Standard commission percentages and fee schedules for startup accounts are not published. [30](https://www.usi.com/commissions-fees/ "Commissions and Fees") (Evidence: Company-reported; scope: USI’s published producer-compensation disclosure. Account-specific amounts require a proposal.; verified: 2026-09-16.) | | Servicing and renewals | 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. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [2](https://global.lockton.com/us/en/technology "Technology") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [1](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.) | USI describes USI ONE as a proprietary consultative process that combines Omni analytics, a national network of specialists, and an enterprise planning process. Technology and P&C pages say clients receive tailored recommendations aimed at total cost of risk. Those are company descriptions of advisory method, not independently verified service outcomes. [25](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [32](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Company-described brokerage and consulting process. Savings or outcome figures in case studies are not adopted as independent findings.; verified: 2026-09-16.)

USI PATH is described as a proprietary risk-control platform that presents industry loss drivers, improvement areas by coverage line, and curated vendor solutions with preferred pricing and ROI projections. The homepage also markets PATH as guiding clients through risk control from identifying sources of loss to targeting solutions. Performance, ROI, and premium-reduction claims on those pages are company-reported. [40](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/ "Reduce Claims and Costs by Optimizing Your Risk Control") [23](https://www.usi.com/ "Insurance Brokerage and Consulting") (Evidence: Company-reported; scope: Risk-control tool as marketed. Access for a given client is not specified on the public pages.; 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.) | USI’s contact page tells people seeking claims assistance to contact the appropriate USI office. A May 2021 claims kit instructs clients to report property, workers’ compensation, general liability, and commercial auto claims to the insurance company, and to involve the USI account team or claims consultant for environmental, executive/management liability, professional liability/E&O, and cyber. Natural-disaster guidance likewise points commercial P&C clients to their claims representative or client service team. The materials describe reporting assistance, not claims-handling quality or authority to settle. [27](https://www.usi.com/contact-us/ "Contact Us") [41](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf "Client Emergency Preparedness Claims Kit") [42](https://www.usi.com/natural-disaster-planning "Natural Disaster Planning") [31](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Public claims-reporting instructions. The 2021 kit may not reflect every current account’s reporting rules.; verified: 2026-09-16.) | ## Provider Profiles for Lockton and USI Insurance Services - [What Is Lockton?](https://thegeneralaverage.com/insurance-providers/lockton) - [What Is USI Insurance Services?](https://thegeneralaverage.com/insurance-providers/usi) ## Comparisons Related to Lockton vs USI Insurance Services - [AIG vs Lockton](https://thegeneralaverage.com/compare/aig-vs-lockton) - [AIG vs USI Insurance Services](https://thegeneralaverage.com/compare/aig-vs-usi) - [Alliance Risk vs Lockton](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) - [Alliance Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/alliance-risk-vs-usi) - [Amelia Risk vs Lockton](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) - [Amelia Risk vs USI Insurance Services](https://thegeneralaverage.com/compare/amelia-risk-vs-usi) - [Aon vs Lockton](https://thegeneralaverage.com/compare/aon-vs-lockton) - [Aon vs USI Insurance Services](https://thegeneralaverage.com/compare/aon-vs-usi) - [Armilla vs Lockton](https://thegeneralaverage.com/compare/armilla-vs-lockton) - [Armilla vs USI Insurance Services](https://thegeneralaverage.com/compare/armilla-vs-usi) - [At-Bay vs Lockton](https://thegeneralaverage.com/compare/at-bay-vs-lockton) - [At-Bay vs USI Insurance Services](https://thegeneralaverage.com/compare/at-bay-vs-usi) - [The Baldwin Group vs Lockton](https://thegeneralaverage.com/compare/baldwin-vs-lockton) - [The Baldwin Group vs USI Insurance Services](https://thegeneralaverage.com/compare/baldwin-vs-usi) - [Beazley vs Lockton](https://thegeneralaverage.com/compare/beazley-vs-lockton) - [Beazley vs USI Insurance Services](https://thegeneralaverage.com/compare/beazley-vs-usi) - [Berkshire Hathaway Specialty Insurance vs Lockton](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-lockton) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-usi) - [biBerk vs Lockton](https://thegeneralaverage.com/compare/biberk-vs-lockton) - [biBerk vs USI Insurance Services](https://thegeneralaverage.com/compare/biberk-vs-usi) - [CFC vs Lockton](https://thegeneralaverage.com/compare/cfc-vs-lockton) - [CFC vs USI Insurance Services](https://thegeneralaverage.com/compare/cfc-vs-usi) - [Chubb vs Lockton](https://thegeneralaverage.com/compare/chubb-vs-lockton) - [Chubb vs USI Insurance Services](https://thegeneralaverage.com/compare/chubb-vs-usi) - [CNA vs Lockton](https://thegeneralaverage.com/compare/cna-vs-lockton) - [CNA vs USI Insurance Services](https://thegeneralaverage.com/compare/cna-vs-usi) - [Coalition vs Lockton](https://thegeneralaverage.com/compare/coalition-vs-lockton) - [Coalition vs USI Insurance Services](https://thegeneralaverage.com/compare/coalition-vs-usi) - [Corgi vs Lockton](https://thegeneralaverage.com/compare/corgi-vs-lockton) - [Corgi vs USI Insurance Services](https://thegeneralaverage.com/compare/corgi-vs-usi) - [Coterie Insurance vs Lockton](https://thegeneralaverage.com/compare/coterie-vs-lockton) - [Coterie Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/coterie-vs-usi) - [Counterpart vs Lockton](https://thegeneralaverage.com/compare/counterpart-vs-lockton) - [Counterpart vs USI Insurance Services](https://thegeneralaverage.com/compare/counterpart-vs-usi) - [Coverdash vs Lockton](https://thegeneralaverage.com/compare/coverdash-vs-lockton) - [Coverdash vs USI Insurance Services](https://thegeneralaverage.com/compare/coverdash-vs-usi) - [Cowbell vs Lockton](https://thegeneralaverage.com/compare/cowbell-vs-lockton) - [Cowbell vs USI Insurance Services](https://thegeneralaverage.com/compare/cowbell-vs-usi) - [Embroker vs Lockton](https://thegeneralaverage.com/compare/embroker-vs-lockton) - [Embroker vs USI Insurance Services](https://thegeneralaverage.com/compare/embroker-vs-usi) ## Sources for Lockton vs USI Insurance Services ### [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. ### [USI Insurance Services Official Website](https://www.usi.com) 23. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16. 24. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 25. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16. 26. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16. 27. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16. 28. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16. 29. [Privacy](https://www.usi.com/privacy/). USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16. 30. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 31. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16. 32. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16. 33. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16. 34. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16. 35. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16. 36. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16. 37. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description. Accessed 2026-09-16. 38. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/). USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16. 39. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16. 40. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16. 41. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16. 42. [Natural Disaster Planning](https://www.usi.com/natural-disaster-planning). USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16. 43. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16. 44. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. 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-usi.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)