--- title: "Lockton vs Vouch" description: "Vouch compares startup proposals and reviews contracts; Lockton offers broader technology, D&O and cyber brokerage." canonical: "https://thegeneralaverage.com/compare/lockton-vs-vouch" page-type: "provider-comparison" updated-at: "2026-09-25" comparison-pair: "lockton-vs-vouch" provider-a: "lockton" provider-b: "vouch" --- 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-vouch) ## Agent Guide **What this page is:** Side-by-side comparison of Lockton and Vouch 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 Vouch 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 Vouch compare? - Which is better for business insurance, Lockton or Vouch? - Does Lockton or Vouch offer the coverage lines I need? - What service and claims differences are documented between Lockton and Vouch? **Key facts:** - Providers compared: Lockton and Vouch. - 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. - 22 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) - [Vouch profile](https://thegeneralaverage.com/insurance-providers/vouch) — provider profile (evidence for this comparison) - [Lockton Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-property) — one provider's documented offering for a shared coverage line - [Vouch Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/vouch/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 - [Vouch Crime Insurance](https://thegeneralaverage.com/insurance-providers/vouch/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 - [Vouch Cyber Insurance](https://thegeneralaverage.com/insurance-providers/vouch/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 - [Vouch D&O Insurance](https://thegeneralaverage.com/insurance-providers/vouch/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 - [Vouch Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/vouch/employment-practices) — 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 - [Vouch General Liability Insurance](https://thegeneralaverage.com/insurance-providers/vouch/general-liability) — one provider's documented offering for a shared coverage line - [Lockton Key Person Insurance](https://thegeneralaverage.com/insurance-providers/lockton/key-person) — one provider's documented offering for a shared coverage line - [Vouch Key Person Insurance](https://thegeneralaverage.com/insurance-providers/vouch/key-person) — 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 - [Vouch Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/vouch/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 - [Vouch Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/vouch/professional-errors-omissions) — 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 - [Vouch Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/vouch/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 - [Vouch Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/vouch/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 Vouch](https://thegeneralaverage.com/compare/aig-vs-vouch) — sibling comparison - [Alliance Risk vs Lockton](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) — sibling comparison - [Alliance Risk vs Vouch](https://thegeneralaverage.com/compare/alliance-risk-vs-vouch) — sibling comparison - [Amelia Risk vs Lockton](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) — sibling comparison - [Amelia Risk vs Vouch](https://thegeneralaverage.com/compare/amelia-risk-vs-vouch) — sibling comparison - [Aon vs Lockton](https://thegeneralaverage.com/compare/aon-vs-lockton) — sibling comparison - [Aon vs Vouch](https://thegeneralaverage.com/compare/aon-vs-vouch) — sibling comparison - [Armilla vs Lockton](https://thegeneralaverage.com/compare/armilla-vs-lockton) — sibling comparison - [Armilla vs Vouch](https://thegeneralaverage.com/compare/armilla-vs-vouch) — sibling comparison - [At-Bay vs Lockton](https://thegeneralaverage.com/compare/at-bay-vs-lockton) — sibling comparison - [At-Bay vs Vouch](https://thegeneralaverage.com/compare/at-bay-vs-vouch) — sibling comparison - [The Baldwin Group vs Lockton](https://thegeneralaverage.com/compare/baldwin-vs-lockton) — sibling comparison - [The Baldwin Group vs Vouch](https://thegeneralaverage.com/compare/baldwin-vs-vouch) — sibling comparison - [Beazley vs Lockton](https://thegeneralaverage.com/compare/beazley-vs-lockton) — sibling comparison - [Beazley vs Vouch](https://thegeneralaverage.com/compare/beazley-vs-vouch) — 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 Vouch](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-vouch) — sibling comparison - [biBerk vs Lockton](https://thegeneralaverage.com/compare/biberk-vs-lockton) — sibling comparison - [biBerk vs Vouch](https://thegeneralaverage.com/compare/biberk-vs-vouch) — sibling comparison - [CFC vs Lockton](https://thegeneralaverage.com/compare/cfc-vs-lockton) — sibling comparison - [CFC vs Vouch](https://thegeneralaverage.com/compare/cfc-vs-vouch) — sibling comparison - [Chubb vs Lockton](https://thegeneralaverage.com/compare/chubb-vs-lockton) — sibling comparison - [Chubb vs Vouch](https://thegeneralaverage.com/compare/chubb-vs-vouch) — sibling comparison - [CNA vs Lockton](https://thegeneralaverage.com/compare/cna-vs-lockton) — sibling comparison - [CNA vs Vouch](https://thegeneralaverage.com/compare/cna-vs-vouch) — sibling comparison - [Coalition vs Lockton](https://thegeneralaverage.com/compare/coalition-vs-lockton) — sibling comparison - [Coalition vs Vouch](https://thegeneralaverage.com/compare/coalition-vs-vouch) — sibling comparison - [Corgi vs Lockton](https://thegeneralaverage.com/compare/corgi-vs-lockton) — sibling comparison - [Corgi vs Vouch](https://thegeneralaverage.com/compare/corgi-vs-vouch) — sibling comparison - [Coterie Insurance vs Lockton](https://thegeneralaverage.com/compare/coterie-vs-lockton) — sibling comparison - [Coterie Insurance vs Vouch](https://thegeneralaverage.com/compare/coterie-vs-vouch) — sibling comparison - [Counterpart vs Lockton](https://thegeneralaverage.com/compare/counterpart-vs-lockton) — sibling comparison - [Counterpart vs Vouch](https://thegeneralaverage.com/compare/counterpart-vs-vouch) — sibling comparison - [Coverdash vs Lockton](https://thegeneralaverage.com/compare/coverdash-vs-lockton) — sibling comparison - [Coverdash vs Vouch](https://thegeneralaverage.com/compare/coverdash-vs-vouch) — sibling comparison - [Cowbell vs Lockton](https://thegeneralaverage.com/compare/cowbell-vs-lockton) — sibling comparison - [Cowbell vs Vouch](https://thegeneralaverage.com/compare/cowbell-vs-vouch) — sibling comparison - [Embroker vs Lockton](https://thegeneralaverage.com/compare/embroker-vs-lockton) — sibling comparison - [Embroker vs Vouch](https://thegeneralaverage.com/compare/embroker-vs-vouch) — sibling comparison # Lockton vs Vouch: How Do They Compare for Business Insurance? Vouch compares startup proposals and reviews contracts; Lockton offers broader technology, D&O and cyber brokerage. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Lockton vs Vouch in Brief Vouch offers online startup intake, side-by-side carrier explanations and contract review; Lockton provides a broader technology practice with D&O and cyber teams. [2](https://global.lockton.com/us/en/technology "Technology") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [23](https://www.vouch.us/ "Vouch Homepage") [35](https://www.corixinsurance.com/legal/disclosures "Corix Disclosures") ## Lockton and Vouch 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). ### Vouch Reliability Scores Role: Broker. Broker Reliability Score: **5.0/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/vouch/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). ## Vouch Review Scores for 2026 Review Score: 6.6 / 10 from 1 rated source, equally weighted. Vouch’s four Trustpilot reviews are too few to establish consistent service quality. Ask for references and clarify support after placement. - Trustpilot: Trustpilot TrustScore 3.3 (5 stars); 4 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 Vouch](https://www.trustpilot.com/review/vouch.us) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/vouch/reviews). ## An Overview of Lockton and Vouch A startup comparing carrier proposals against a customer contract can start with Vouch’s online application and review services. A larger technology account needing specialist D&O and cyber teams can ask Lockton to scope a broader program. [30](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") [41](https://www.vouch.us/services/contract-requirement-review "Contract Requirement Review") [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") Choose Vouch for startup intake and contract comparisons; choose Lockton for a technology program that includes D&O or cyber coordination. A company that saw “Vouch Insurance Company” on old materials and is now choosing a broker for a priced round should compare **Lockton the broker** with **Vouch the broker**. Do not treat Corix package wording as Lockton’s market or as proof of the issuer on every Vouch-placed line. Vouch materials do not describe Hiscox as the parent of Vouch Specialty. [35](https://www.corixinsurance.com/legal/disclosures "Corix Disclosures") ## What Stands Out About Lockton and Vouch? ### 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.) ### Vouch at a Glance - Vouch advisors compare carrier options side by side, including coverage, exclusions, endorsements and price. [30](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") (Evidence: Company-reported; scope: Company-described authenticated comparison experience; not tested. This is curated brokerage access, not proof of whole-market coverage.; verified: 2026-09-15.) - Request a complimentary coverage review, including insurance requirements in customer, lease and funding agreements. [40](https://www.vouch.us/services/comprehensive-coverage-review "Comprehensive Coverage Review") [41](https://www.vouch.us/services/contract-requirement-review "Contract Requirement Review") (Evidence: Company-reported; scope: Service descriptions; no independent proof of completeness, savings or satisfaction of a specific contract.; verified: 2026-09-15.) ## Lockton vs Vouch Coverage Lines Compared | Coverage Type | Lockton | Vouch | | --- | --- | --- | | [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") | Not listed | | [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") | Not listed | | [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: As of September 16, 2026, Vouch lists business property for health care and life sciences programs. [51](https://www.vouch.us/healthcare-life-sciences "Insurance for Health & Life Science Companies") | | [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: As of September 16, 2026, Vouch lists crime among the coverages in its technology-company programs. [29](https://www.vouch.us/technology "Insurance for Technology Companies") | | [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: Vouch lists cyber liability in its technology-company programs. [29](https://www.vouch.us/technology "Insurance for Technology Companies") | | [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: Vouch lists directors and officers insurance in its technology-company programs. [29](https://www.vouch.us/technology "Insurance for Technology Companies") | | [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: Vouch lists employment practices liability within its insurance programs for technology companies. [29](https://www.vouch.us/technology "Insurance for Technology Companies") | | [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Not listed | Listed: Vouch lists fidelity bonds among its core protections for financial-services businesses. [52](https://www.vouch.us/financial-services "Insurance for Financial 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") | Not listed | | [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: Vouch lists general liability among the core coverages in its technology-company programs. [29](https://www.vouch.us/technology "Insurance for Technology Companies") | | [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") | Listed: Vouch arranges key person coverage for technology businesses. [29](https://www.vouch.us/technology "Insurance for Technology Companies") | | [Medical malpractice](https://thegeneralaverage.com/coverage/medical-malpractice) | Not listed | Listed: Vouch arranges medical malpractice insurance for health care and life sciences businesses. [51](https://www.vouch.us/healthcare-life-sciences "Insurance for Health & Life Science Companies") | | [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: Vouch lists product liability among the core coverages in its technology-company programs. [29](https://www.vouch.us/technology "Insurance for Technology Companies") | | [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: Vouch lists errors and omissions among the core coverages in its professional-services programs. [50](https://www.vouch.us/professional-services "Insurance for Professional Services Firms") | | [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") | Not listed | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Not listed | Listed: Vouch lists technology errors and omissions among the core coverages in its technology-company programs. [29](https://www.vouch.us/technology "Insurance for Technology Companies") | | [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: Vouch lists umbrella among core coverages for technology companies. [29](https://www.vouch.us/technology "Insurance for Technology Companies") | | [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: Vouch lists workers’ compensation among core coverages for technology companies. [29](https://www.vouch.us/technology "Insurance for Technology Companies") | 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 Vouch Coverage, Line by Line - [Lockton Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-property) - [Vouch Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/vouch/commercial-property) - [Lockton Crime Insurance](https://thegeneralaverage.com/insurance-providers/lockton/crime) - [Vouch Crime Insurance](https://thegeneralaverage.com/insurance-providers/vouch/crime) - [Lockton Cyber Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cyber) - [Vouch Cyber Insurance](https://thegeneralaverage.com/insurance-providers/vouch/cyber) - [Lockton D&O Insurance](https://thegeneralaverage.com/insurance-providers/lockton/directors-officers) - [Vouch D&O Insurance](https://thegeneralaverage.com/insurance-providers/vouch/directors-officers) - [Lockton Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/employment-practices) - [Vouch Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/vouch/employment-practices) - [Lockton General Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/general-liability) - [Vouch General Liability Insurance](https://thegeneralaverage.com/insurance-providers/vouch/general-liability) - [Lockton Key Person Insurance](https://thegeneralaverage.com/insurance-providers/lockton/key-person) - [Vouch Key Person Insurance](https://thegeneralaverage.com/insurance-providers/vouch/key-person) - [Lockton Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/product-liability) - [Vouch Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/vouch/product-liability) - [Lockton Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/lockton/professional-errors-omissions) - [Vouch Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/vouch/professional-errors-omissions) - [Lockton Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/umbrella-excess) - [Vouch Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/vouch/umbrella-excess) - [Lockton Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/lockton/workers-compensation) - [Vouch Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/vouch/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 Vouch ### Which Legal Person You Hire Ask for the producer on the broker-of-record form. Vouch’s acquired-carrier history does not make Lockton an insurer, and Lockton’s private-brokerage status does not make it Vouch Insurance Company. [23](https://www.vouch.us/ "Vouch Homepage") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ### How Advice Is Packaged Vouch describes side-by-side carrier explanations, complimentary coverage review and contract-requirement review. [40](https://www.vouch.us/services/comprehensive-coverage-review "Comprehensive Coverage Review") [41](https://www.vouch.us/services/contract-requirement-review "Contract Requirement Review") Lockton describes contract review inside the technology service list and specialist D&O and cyber teams, without a separately marketed complimentary-review product of the same name. [2](https://global.lockton.com/us/en/technology "Technology") Vouch documents an online start; Lockton documents an inquiry. [12](https://global.lockton.com/us/en/contact-us "Contact Us") ### Claims Notice Vouch describes claims advocacy and reporting roles. Lockton describes integrated claims counsel. Compare notice paths; neither pays the claim. [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") ## What Should You Confirm in Lockton and Vouch Quotes? - **Issuer names** on each proposal, including whether any Corix or Vouch Insurance Company paper is still in force. [35](https://www.corixinsurance.com/legal/disclosures "Corix Disclosures") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") - **Contract-review deliverable** from Vouch versus Lockton’s described contract review. [41](https://www.vouch.us/services/contract-requirement-review "Contract Requirement Review") [2](https://global.lockton.com/us/en/technology "Technology") - **California producer** for each broker. [22](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") - **Compensation** under Lockton terms versus Vouch producer disclosure. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [23](https://www.vouch.us/ "Vouch Homepage") ## Lockton vs Vouch Services Compared What each provider documents about the services you may need. | Criteria | Lockton | Vouch | | --- | --- | --- | | 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.) | Vouch’s current disclosure identifies Vouch Specialty Insurance Services, LLC as the entity that brokers insurance. Vouch Group, Inc. is the group name used in that disclosure. The brokerage arranges policies with insurers; the insurer named on each policy takes on the covered risk. [24](https://www.vouch.us/legal/disclosures "Disclosures") [30](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") (Evidence: Company-reported; scope: Current 6 August 2025 disclosure takes precedence over the older Terms of Use for current broker identity. No independent corporate registry or license finding implied.; verified: 2026-09-15.)

Corix identifies Corix Insurance Services, LLC as the former Vouch Insurance Services, LLC. That is a different entity from Vouch Specialty Insurance Services, LLC, the broker named on Vouch’s current site. [34](https://www.corixinsurance.com/legal/licenses "Corix Licenses") [24](https://www.vouch.us/legal/disclosures "Disclosures") [25](https://www.vouch.us/legal/terms-of-use "Terms of Use") (Evidence: Company-reported; scope: Company-reported legal-name continuity. Older Vouch terms still list both producers; do not conflate their NPNs or infer current underwriting ownership from the older name.; verified: 2026-09-15.)

Hiscox announced an agreement in August 2025 to acquire Corix Insurance Services, LLC and Vouch Insurance Company, while Vouch would remain an independent broker with a multi-year Hiscox distribution agreement. Hiscox’s 2025 annual report records the Corix acquisition closing on August 11, 2025. [32](https://www.hiscoxgroup.com/news/press-releases/2025/06-08-25-1 "Hiscox Agrees to Acquire US-Based Specialist Insurtech") [33](https://www.hiscoxgroup.com/sites/group/files/2026-03/Hiscox_report_and_accounts_2025.pdf "Hiscox Report and Accounts 2025") (Evidence: Company-reported; scope: Acquirer announcement covers both named entities; audited annual-report note 25 explicitly confirms Corix closing. Does not independently establish the separate carrier transfer date, regulatory approval or any particular policy migration.; verified: 2026-09-15.)

Corix’s January 2025 legal disclosure still describes it as part of Vouch, even though the same page now displays Hiscox branding. Hiscox’s later annual report records the acquisition. The older ownership paragraph should not be used to describe the current Vouch brokerage. [35](https://www.corixinsurance.com/legal/disclosures "Corix Disclosures") [33](https://www.hiscoxgroup.com/sites/group/files/2026-03/Hiscox_report_and_accounts_2025.pdf "Hiscox Report and Accounts 2025") (Evidence: Conflicting sources; scope: Conflict is retained and resolved for the article using later transaction evidence; no conclusion that the distribution agreement ended.; verified: 2026-09-15.) | | 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.) | Vouch’s public application starts with your legal business name, website, business address and location type, followed by your role and contact details. There is a separate sign-in path for an existing application or policy. [28](https://apply.vouch.us/ "Start a Vouch Application") (Evidence: Company-reported; scope: Chrome observation of public first screen only. No personal or business data entered, account created, consent accepted or application submitted. Later steps not tested.; verified: 2026-09-15.)

Vouch says its platform presents carrier options together, with differences in coverage, exclusions, endorsements and pricing explained by advisors. The reviewed pages do not promise a fixed number of quotes or a search of every insurer. [30](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") (Evidence: Company-reported; scope: Company-described authenticated comparison experience; not tested. This is curated brokerage access, not proof of whole-market coverage.; verified: 2026-09-15.)

Vouch says many technology companies can arrange coverage within days, with smaller programs sometimes completed in minutes. Those are company timing claims. Its buying guide says coverage requires binding confirmation and the effective date, with underwriting and payment conditions satisfied. [29](https://www.vouch.us/technology "Insurance for Technology Companies") [31](https://www.vouch.us/blog/when-does-my-business-insurance-coverage-start "When Does My Business Insurance Coverage Start?") (Evidence: Company-reported; scope: Technology FAQ and June 2026 educational binding guide; no actual application or bind completed. No guaranteed turnaround adopted.; verified: 2026-09-15.) | | 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.) | Vouch offers a complimentary coverage review that it describes as identifying gaps and comparing a program with industry peers. It also offers reviews of insurance requirements in leases, customer agreements and funding arrangements. [40](https://www.vouch.us/services/comprehensive-coverage-review "Comprehensive Coverage Review") [41](https://www.vouch.us/services/contract-requirement-review "Contract Requirement Review") (Evidence: Company-reported; scope: Service descriptions; no independent proof of completeness, savings or satisfaction of a specific contract.; verified: 2026-09-15.)

Vouch says customers can request certificates of insurance through their account and include a third party in the request. A certificate summarizes insurance; the policy and any required endorsements determine that third party’s actual coverage. [42](https://www.vouch.us/blog/how-fast-certificates-of-insurance-keep-business-moving "How Fast Certificates of Insurance Keep Business Moving") [43](https://www.vouch.us/blog/understanding-certificate-of-insurance "What Is a Certificate of Insurance?") (Evidence: Company-reported; scope: Published COI workflow and distinction between holder and additional insured. Account access and turnaround not tested.; verified: 2026-09-15.)

Vouch says it coordinates documentation, communication and renewal cycles across carriers. Its renewal guide asks buyers to prepare updated financials, claims history and business changes, starting 30–60 days before renewal. That is preparation guidance, not a guaranteed service timetable or automatic renewal commitment. [30](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") [44](https://www.vouch.us/blog/how-to-prepare-for-your-business-insurance-renewal "How to Prepare for Your Business Insurance Renewal") (Evidence: Company-reported; scope: Carrier-options service description and 30 July 2025 educational guide. Exact renewal contact cadence and renewal terms not disclosed in these sources.; verified: 2026-09-15.) | | 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.) | Vouch advertises claims advocacy at no cost to its clients, with a dedicated advocate and help communicating with insurers. It describes assisting with reporting, documentation and follow-up. The issuing insurer decides coverage and pays covered claims. [45](https://www.vouch.us/services/claims-advocacy "Claims Advocacy") [46](https://www.vouch.us/blog/help-during-business-insurance-claims-process "Who Helps Me During the Business Insurance Claims Process?") (Evidence: Company-reported; scope: Service/claims-role descriptions, not independently observed performance or a guarantee of claim acceptance. No implication of free legal representation.; verified: 2026-09-15.)

Vouch’s help center links to a claim request form asking about the incident, its location, estimated loss and supporting documents. Your policy’s notice instructions remain important: confirm the correct recipient, deadline and any separate cyber incident-response contact. [47](https://support.vouch.us/hc/en-us "Vouch Help Center") [48](https://support.vouch.us/hc/en-us/requests/new?ticket_form_id=4420115717787 "Vouch Claim Request Form") [46](https://www.vouch.us/blog/help-during-business-insurance-claims-process "Who Helps Me During the Business Insurance Claims Process?") (Evidence: Company-reported; scope: Form retrieved through web text; browser screenshot blocked by security challenge. No submission, loss report or receipt tested. Policy-specific notice requirements not established by availability of broker form.; verified: 2026-09-15.) | | 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.) | Corix’s disclosures name State National Insurance Company, Inc. for its admitted offerings and United Specialty Insurance Company for certain surplus-lines offerings. These are Corix program disclosures; they do not identify the insurer on every policy placed by Vouch. [35](https://www.corixinsurance.com/legal/disclosures "Corix Disclosures") (Evidence: Company-reported; scope: Company-described insurer relationships only, not independent verification of admitted status or product authority. No current complete Vouch product/carrier/state matrix found.; verified: 2026-09-15.)

Corix’s public management liability application names United Specialty Insurance Company. It offers directors and officers, employment practices and fiduciary liability selections, with a warning about claims-made liability and defense costs reducing the limit unless endorsed otherwise. [49](https://cdn.prod.website-files.com/682594fbc7d8d57832d05841/683dc40bd7014502a007a747_Corix%20Management%20Liability%20Application_June2025.pdf "Corix Management Liability Application") (Evidence: Company-reported; scope: Application SML 10-0002 03 25, printed page 1 of 13, linked from the current management liability product page. This identifies one public program application, not the insurer for every Vouch D&O or employment practices placement.; verified: 2026-09-15.) | ## Provider Profiles for Lockton and Vouch - [What Is Lockton?](https://thegeneralaverage.com/insurance-providers/lockton) - [What Is Vouch Insurance?](https://thegeneralaverage.com/insurance-providers/vouch) ## Comparisons Related to Lockton vs Vouch - [AIG vs Lockton](https://thegeneralaverage.com/compare/aig-vs-lockton) - [AIG vs Vouch](https://thegeneralaverage.com/compare/aig-vs-vouch) - [Alliance Risk vs Lockton](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) - [Alliance Risk vs Vouch](https://thegeneralaverage.com/compare/alliance-risk-vs-vouch) - [Amelia Risk vs Lockton](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) - [Amelia Risk vs Vouch](https://thegeneralaverage.com/compare/amelia-risk-vs-vouch) - [Aon vs Lockton](https://thegeneralaverage.com/compare/aon-vs-lockton) - [Aon vs Vouch](https://thegeneralaverage.com/compare/aon-vs-vouch) - [Armilla vs Lockton](https://thegeneralaverage.com/compare/armilla-vs-lockton) - [Armilla vs Vouch](https://thegeneralaverage.com/compare/armilla-vs-vouch) - [At-Bay vs Lockton](https://thegeneralaverage.com/compare/at-bay-vs-lockton) - [At-Bay vs Vouch](https://thegeneralaverage.com/compare/at-bay-vs-vouch) - [The Baldwin Group vs Lockton](https://thegeneralaverage.com/compare/baldwin-vs-lockton) - [The Baldwin Group vs Vouch](https://thegeneralaverage.com/compare/baldwin-vs-vouch) - [Beazley vs Lockton](https://thegeneralaverage.com/compare/beazley-vs-lockton) - [Beazley vs Vouch](https://thegeneralaverage.com/compare/beazley-vs-vouch) - [Berkshire Hathaway Specialty Insurance vs Lockton](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-lockton) - [Berkshire Hathaway Specialty Insurance vs Vouch](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-vouch) - [biBerk vs Lockton](https://thegeneralaverage.com/compare/biberk-vs-lockton) - [biBerk vs Vouch](https://thegeneralaverage.com/compare/biberk-vs-vouch) - [CFC vs Lockton](https://thegeneralaverage.com/compare/cfc-vs-lockton) - [CFC vs Vouch](https://thegeneralaverage.com/compare/cfc-vs-vouch) - [Chubb vs Lockton](https://thegeneralaverage.com/compare/chubb-vs-lockton) - [Chubb vs Vouch](https://thegeneralaverage.com/compare/chubb-vs-vouch) - [CNA vs Lockton](https://thegeneralaverage.com/compare/cna-vs-lockton) - [CNA vs Vouch](https://thegeneralaverage.com/compare/cna-vs-vouch) - [Coalition vs Lockton](https://thegeneralaverage.com/compare/coalition-vs-lockton) - [Coalition vs Vouch](https://thegeneralaverage.com/compare/coalition-vs-vouch) - [Corgi vs Lockton](https://thegeneralaverage.com/compare/corgi-vs-lockton) - [Corgi vs Vouch](https://thegeneralaverage.com/compare/corgi-vs-vouch) - [Coterie Insurance vs Lockton](https://thegeneralaverage.com/compare/coterie-vs-lockton) - [Coterie Insurance vs Vouch](https://thegeneralaverage.com/compare/coterie-vs-vouch) - [Counterpart vs Lockton](https://thegeneralaverage.com/compare/counterpart-vs-lockton) - [Counterpart vs Vouch](https://thegeneralaverage.com/compare/counterpart-vs-vouch) - [Coverdash vs Lockton](https://thegeneralaverage.com/compare/coverdash-vs-lockton) - [Coverdash vs Vouch](https://thegeneralaverage.com/compare/coverdash-vs-vouch) - [Cowbell vs Lockton](https://thegeneralaverage.com/compare/cowbell-vs-lockton) - [Cowbell vs Vouch](https://thegeneralaverage.com/compare/cowbell-vs-vouch) - [Embroker vs Lockton](https://thegeneralaverage.com/compare/embroker-vs-lockton) - [Embroker vs Vouch](https://thegeneralaverage.com/compare/embroker-vs-vouch) ## Sources for Lockton vs Vouch ### [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. ### [Vouch Official Website](https://www.vouch.us) 23. [Vouch Homepage](https://www.vouch.us/). Vouch; Hero identifying Vouch as an insurance broker; Industries; Services; footer identifying Vouch Specialty and qualifying product availability. Accessed 2026-09-15. 24. [Disclosures](https://www.vouch.us/legal/disclosures). Vouch; Effective 6 August 2025: marketing name and broker entity; commissions and performance compensation; Premium Finance; Credit and Debit Card Transaction Fees; Who to Contact. Accessed 2026-09-15. 25. [Terms of Use](https://www.vouch.us/legal/terms-of-use). Vouch; Effective 28 June 2023: Additional Terms: Insurance Services; Vouch Website and Product Disclosures; Void Where Prohibited. Accessed 2026-09-15. 26. [Licenses](https://www.vouch.us/legal/licenses). Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; Property & Casualty table (50 states and DC); separate Surplus Lines table; California 6004944. Accessed 2026-09-15. 27. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; License Number Search for Vouch Specialty Insurance Services, LLC, California 6004944; the public lookup could not be completed and no entity record was returned. Accessed 2026-09-15. 28. [Start a Vouch Application](https://apply.vouch.us/). Vouch; Public first screen: legal business name, website/no-website option, address and location type, applicant role and contact fields, consent, and existing-customer sign-in. Accessed 2026-09-15. 29. [Insurance for Technology Companies](https://www.vouch.us/technology). Vouch; Expertise (AI, SaaS, eCommerce, Fintech, Hardware, Crypto); Core coverages for Technology: Tech Errors & Omissions, Cyber Liability, Directors & Officers (D&O), Employment Practices Liability (EPLI), General Liability, Product Liability, Crime, Umbrella, Workers’ Compensation; Learn About Coverages: Key Person Coverage; A partner for every stage of growth; FAQs on pricing and time to coverage; technology errors and omissions blog teaser; insurance-services footer. Accessed 2026-09-16. 30. [Carrier Options in One Place](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage). Vouch; 26 November 2025: Choice Without the Chaos; Clarity That Builds Confidence; One Relationship, Many Solutions; final producer/underwriting disclosure. Accessed 2026-09-15. 31. [When Does My Business Insurance Coverage Start?](https://www.vouch.us/blog/when-does-my-business-insurance-coverage-start) Vouch; 5 June 2026: Coverage Must Be Bound Before It Becomes Active; Payment May Be Required First. Accessed 2026-09-15. 32. [Hiscox Agrees to Acquire US-Based Specialist Insurtech](https://www.hiscoxgroup.com/news/press-releases/2025/06-08-25-1). Hiscox Group; 6 August 2025: agreement covering Corix Insurance Services, LLC and Vouch Insurance Company, subject to approvals; Vouch remaining an independent broker; multi-year distribution agreement. Accessed 2026-09-15. 33. [Hiscox Report and Accounts 2025](https://www.hiscoxgroup.com/sites/group/files/2026-03/Hiscox_report_and_accounts_2025.pdf). Hiscox Ltd; Printed page 225, note 25, Business combinations / Corix: 11 August 2025 acquisition of 100% of Corix Insurance Services LLC by Hiscox Holdings Inc. from Vouch US Insurance Services Holdings LLC. Accessed 2026-09-15. 34. [Corix Licenses](https://www.corixinsurance.com/legal/licenses). Corix Insurance; Effective 1 January 2025: former-name statement and NPN 19039391; separate Vouch Insurance Company entry, NAIC 17048. Accessed 2026-09-15. 35. [Corix Disclosures](https://www.corixinsurance.com/legal/disclosures). Corix Insurance; Effective 1 January 2025: Proprietary Products paragraph (Vouch ownership wording; State National and United Specialty); footer naming a Hiscox company and the insurers for admitted and surplus-lines offerings. Accessed 2026-09-15. 36. [Corix Cyber and Errors & Omissions](https://www.corixinsurance.com/products/cyber-and-errors-omissions). Corix Insurance; Coverage Options; Coverage Highlights; qualification paragraphs before Related Coverages (social engineering, AI, professional activities, intellectual property); footer insurer disclosures; Download Application. Accessed 2026-09-15. 37. [Corix Cyber and E&O Application](https://cdn.prod.website-files.com/682594fbc7d8d57832d05841/683dc3fd64b9f1371e65a2b8_Corix%20Cyber%20E%26O%20Application_June2025.pdf). Corix Insurance / United Specialty Insurance Company; CET 10–0054 03 25, printed page 1 of 10: United Specialty Insurance Company, claims-made liability, defense-cost treatment and selectable cyber/E&O/media modules; pages 2–8: operations, financials, AI, security and claims questions. Accessed 2026-09-15. 38. [Corix Management Liability](https://www.corixinsurance.com/products/management-liability). Corix Insurance; Coverage Options: D&O, EPL, Fiduciary; Coverage Highlights: out-of-panel counsel subject to conditions, crisis expenses and optional pre-claim assistance; limitations before Related Coverages. Accessed 2026-09-15. 39. [Corix Commercial Package Policy](https://www.corixinsurance.com/products/commercial-package-policy). Corix Insurance; Forward-Thinking Protection and Coverage Options: general liability, commercial property, hired/non-owned auto and employee benefits liability; footer insurer disclosures. Accessed 2026-09-15. 40. [Comprehensive Coverage Review](https://www.vouch.us/services/comprehensive-coverage-review). Vouch; Fix your insurance blind spots; Complimentary Analysis and Peer Benchmarking. Accessed 2026-09-15. 41. [Contract Requirement Review](https://www.vouch.us/services/contract-requirement-review). Vouch; Coverage that keeps your deals moving; Tailored to your contract; Effortless Experience (reviews and COIs). Accessed 2026-09-15. 42. [How Fast Certificates of Insurance Keep Business Moving](https://www.vouch.us/blog/how-fast-certificates-of-insurance-keep-business-moving). Vouch; 26 November 2025: Turning an Administrative Task into a Quick Process; Confidence in Every Certificate: account-based requests and third-party details. Accessed 2026-09-15. 43. [What Is a Certificate of Insurance?](https://www.vouch.us/blog/understanding-certificate-of-insurance) Vouch; 8 May 2026: Certificate Holder vs. Additional Insured; How to Get a COI; Common COI Misunderstandings. Accessed 2026-09-15. 44. [How to Prepare for Your Business Insurance Renewal](https://www.vouch.us/blog/how-to-prepare-for-your-business-insurance-renewal). Vouch; 30 July 2025: checklist (30–60 days, material changes, financials, claims history); review of retroactive dates; FAQ documents. Accessed 2026-09-15. 45. [Claims Advocacy](https://www.vouch.us/services/claims-advocacy). Vouch; What You Get: claims advocacy resources at no cost for Vouch clients; dedicated advocate, carrier communication and updates. Accessed 2026-09-15. 46. [Who Helps Me During the Business Insurance Claims Process?](https://www.vouch.us/blog/help-during-business-insurance-claims-process) Vouch; 26 March 2026: Your Insurance Broker or Claims Advocate; The Insurance Carrier; reporting and documentation. Accessed 2026-09-15. 47. [Vouch Help Center](https://support.vouch.us/hc/en-us). Vouch; Application, account sign-in and File a Claim links on the help-center homepage. Accessed 2026-09-15. 48. [Vouch Claim Request Form](https://support.vouch.us/hc/en-us/requests/new?ticket_form_id=4420115717787). Vouch; File a Claim destination: claim type, contact details, incident location/date, estimated loss, description, optional policy number and attachments. Accessed 2026-09-15. 49. [Corix Management Liability Application](https://cdn.prod.website-files.com/682594fbc7d8d57832d05841/683dc40bd7014502a007a747_Corix%20Management%20Liability%20Application_June2025.pdf). Corix Insurance / United Specialty Insurance Company; SML 10-0002 03 25, printed page 1 of 13: United Specialty Insurance Company; selectable D&O, employment practices and fiduciary liability; claims-made liability and defense-cost treatment. Accessed 2026-09-15. 50. [Insurance for Professional Services Firms](https://www.vouch.us/professional-services). Vouch; Core coverages for Professional Services: Errors & Omissions, General Liability, Cyber Liability, Employment Practices Liability, Workers’ Compensation; FAQ on common coverages. Accessed 2026-09-16. 51. [Insurance for Health & Life Science Companies](https://www.vouch.us/healthcare-life-sciences). Vouch; Core coverages for Healthcare & Life Sciences: Medical Malpractice, Business Property. Accessed 2026-09-16. 52. [Insurance for Financial Services](https://www.vouch.us/financial-services). Vouch; Core protections for Financial Services: Fidelity Bonds; broker services; insurance-services footer. 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-vouch.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)