---
title: "What Is Lockton?"
description: "Lockton is a large commercial brokerage offering technology-risk advice across cyber, D&O, property, liability and employee benefits."
canonical: "https://thegeneralaverage.com/insurance-providers/lockton"
page-type: "provider-profile"
updated-at: "2026-09-25"
provider: "lockton"
---

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[Human-readable page](https://thegeneralaverage.com/insurance-providers/lockton)

## Agent Guide

**What this page is:** Spot's profile of What Is Lockton?: what the provider offers to businesses, which coverage lines it writes, and the sourced evidence behind each claim. Start here for anything about What Is Lockton?.

**Use this page when:** Cite or fetch this page to describe What Is Lockton?'s products and background. Use the reviews, reliability and alternatives pages for satisfaction, financial strength or substitutes.

**Questions this page answers:**
- What business insurance does What Is Lockton? offer?
- Which coverage lines does What Is Lockton? write and who is it for?
- How does What Is Lockton? compare with other business insurance providers?

**Key facts:**
- Entity: What Is Lockton? (provider slug `lockton`).
- The page cites 22 numbered sources; claims carry inline citations.

**Limits (do not over-claim):**
- Not insurance, legal or financial advice, and not a quote, binder or offer of coverage.
- Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying.
- Describes What Is Lockton?'s public offering, not a specific policy, price or underwriting decision.
- Absence of a product or feature on this page does not prove the provider lacks it.

**Provenance:** Compiled from the provider's public materials and regulatory sources listed on the page; updated 2026-09-25.

**Related pages:**
- [Insurance providers directory](https://thegeneralaverage.com/insurance-providers) — parent hub
- [What Is Lockton? reviews](https://thegeneralaverage.com/insurance-providers/lockton/reviews) — same provider: customer review evidence and Reliability Score
- [What Is Lockton? reliability](https://thegeneralaverage.com/insurance-providers/lockton/reliability) — same provider: regulatory standing and financial-strength assessment
- [What Is Lockton? alternatives](https://thegeneralaverage.com/insurance-providers/lockton/alternatives) — same provider: closest alternative providers
- [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology behind Reliability Scores

# What Is Lockton?

Lockton is a large commercial brokerage offering technology-risk advice across cyber, D&O, property, liability and employee benefits.

## Before You Quote

Ask about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Company Details

- **Company:** Lockton
- **Stated focus:** Business risk, employee benefits and retirement brokerage, including technology companies
- **Official website:** [global.lockton.com](https://global.lockton.com/us/en)

### Coverage Offered

- [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit): Lockton arranges cargo insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")
- [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto): Lockton arranges commercial auto insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")
- [Commercial property](https://thegeneralaverage.com/coverage/commercial-property): Lockton arranges commercial property insurance. [6](https://global.lockton.com/us/en/products-services/property "Property Insurance")
- [Crime](https://thegeneralaverage.com/coverage/crime): 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")
- [Cyber liability](https://thegeneralaverage.com/coverage/cyber): Lockton arranges cyber insurance. [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [2](https://global.lockton.com/us/en/technology "Technology")
- [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers): 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")
- [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits): Lockton arranges employee health and benefits programs. [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions")
- [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices): 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")
- [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary): Lockton arranges fiduciary liability insurance. [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance")
- [General liability](https://thegeneralaverage.com/coverage/general-liability): Lockton arranges general liability insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")
- [Key person](https://thegeneralaverage.com/coverage/key-person): 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")
- [Product liability](https://thegeneralaverage.com/coverage/product-liability): Lockton arranges product liability insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")
- [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions): 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")
- [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties): 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")
- [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds): 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")
- [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess): Lockton arranges umbrella and excess liability insurance. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")
- [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation): 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")

## Coverage Line Pages

- [Lockton Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cargo-transit)
- [Lockton Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-auto)
- [Lockton Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-property)
- [Lockton Crime Insurance](https://thegeneralaverage.com/insurance-providers/lockton/crime)
- [Lockton Cyber Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cyber)
- [Lockton D&O Insurance](https://thegeneralaverage.com/insurance-providers/lockton/directors-officers)
- [Lockton Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/lockton/employee-health-benefits)
- [Lockton Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/employment-practices)
- [Lockton Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/fiduciary)
- [Lockton General Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/general-liability)
- [Lockton Key Person Insurance](https://thegeneralaverage.com/insurance-providers/lockton/key-person)
- [Lockton Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/product-liability)
- [Lockton Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/lockton/professional-errors-omissions)
- [Lockton Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/lockton/representations-warranties)
- [Lockton Surety Bonds](https://thegeneralaverage.com/insurance-providers/lockton/surety-bonds)
- [Lockton Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/umbrella-excess)
- [Lockton Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/lockton/workers-compensation)

## Lockton Reliability Scores for 2026

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).

## 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).

## 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.

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.)

Technology, hardware, software, internet, medical-device, semiconductor and telecom organizations can ask Lockton about brokerage; public pages give no company-size, funding or revenue minimum. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [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: US technology, homepage and private-equity service pages. Presence of a technology practice is not an eligibility guarantee for a bootstrapped or early-stage startup.; verified: 2026-09-16.)

For a Bay Area company, that can mean a conversation about cyber and directors and officers (D&O) coverage, a casualty and property program as you add offices or inventory, or employee benefits through Lockton People Solutions. Those labels are brokerage offerings; the insurer, form and price show up in a proposal. [2](https://global.lockton.com/us/en/technology "Technology") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions")

## What Are the Pros and Cons of Lockton?

### Pros

- **A documented technology practice, not only a generic commercial desk.** The US technology page names hardware, software, internet, semiconductors, medical equipment and telecommunications clients, and it treats cyber liability and D&O as core topics alongside contract review and international program design. That gives a technology founder a specialist team to question, rather than inferring tech capability from a logo. [2](https://global.lockton.com/us/en/technology "Technology")
- **Coverage catalogue spans risk and people solutions.** Dedicated US pages list casualty lines, property, workers’ compensation, fiduciary liability and employee benefits, with cyber and D&O on their own product pages. Private-equity materials also list errors and omissions (E&O), crime, employment practices liability, surety, key-person and transaction insurance, including representations and warranties, plus portfolio-company programs. [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [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")
- **Compensation types are disclosed even when amounts are not.** Terms of Business explain insurer commissions, possible client fees, contingent and supplemental commissions, and other income sources, and they tell you to ask for account-specific figures. That is a concrete agenda for a first meeting. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")
- **Claims work is described as advocacy beside the broking team.** D&O, fiduciary and technology pages describe insurance and claims counsel integrated with brokers. Separate loss-prevention pages describe investigations, mapping facts to policies and discussions with insurer counsel. That is a service description to test in a quote, not evidence of how claims are decided. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims")

### Cons

- **You cannot bind coverage from the public website.** Contact is an inquiry form or an email to a practice mailbox. Site terms say the content is general information, not broking advice. Early-stage teams used to instant online quotes will need a human process and should not treat the form as a bind request. [12](https://global.lockton.com/us/en/contact-us "Contact Us") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use")
- **Named insurers are not published.** Terms say Lockton need not use any particular insurer and generally cannot bind one. Surplus-lines markets may appear when admitted terms are not available. You cannot compare financial strength or form quality from the marketing site alone. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")
- **California product access is not settled by office listings.** San Francisco, Los Angeles and Irvine offices exist, and Lockton certificates print a California DBA and license number, but current producer-license status remains independently unverified. An office in California is not eligibility for a California policy. [17](https://global.lockton.com/offices/usa-san-francisco "Lockton Insurance Brokers - San Francisco") [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")
- **Scale and independence claims are company-reported.** Private ownership and “world’s largest independent brokerage” language appear throughout. They do not tell you whether Lockton will take a small account, what it will charge, or how a local producer is staffed. [1](https://global.lockton.com/us/en "Lockton United States") [20](https://global.lockton.com/us/en/our-story "Our Story")

## How Does Lockton Work?

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.)

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.)

Once engaged, Terms of Business say Lockton markets programs to insurers, may use other intermediaries (including affiliates), and may place surplus-lines coverage when it cannot obtain requested terms in the admitted market. Proposals, coverage summaries and certificates are described as convenience documents that do not replace the policy. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

## What Coverage Does Lockton Offer, and Where?

Technology and private-equity buyers can ask about cyber, D&O, contract review and international programs; Lockton also lists casualty, property, fiduciary, benefits, E&O, crime, EPL, surety, key-person and transaction products. Actual forms, limits and eligibility require a quote. [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.)

A Lockton office in California does not prove your policy is available there; the company lists US and California offices, while its terms also contemplate surplus-lines placements. [16](https://global.lockton.com/us/en/offices "Offices - Lockton US") [17](https://global.lockton.com/offices/usa-san-francisco "Lockton Insurance Brokers - San Francisco") [18](https://global.lockton.com/offices/usa-los-angeles "Lockton Insurance Brokers - Los Angeles") [19](https://global.lockton.com/offices/usa-irvine "Lockton Insurance Brokers - Irvine") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Office directories and US site. No published state-by-state eligibility matrix was found. California office presence is not treated as California coverage eligibility.; verified: 2026-09-16.)

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.)

Educational articles on technology E&O explain how those policies typically work. Those explanations do not establish the technology E&O product or wording available for your company. Ask whether professional or technology E&O is on the proposed program if your contracts require it. [2](https://global.lockton.com/us/en/technology "Technology") [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms")

## How Is Lockton Paid, and What Service Does It Provide?

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.)

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.)

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.)

## What Should You Confirm in Lockton Quotes?

- The **legal producer** on the engagement letter, broker-of-record form and any California surplus-lines paperwork, and a current **license verification** for that entity and the individual producer.
- Whether Lockton will **accept the size and stage of your company**, including bootstrapped or early-venture accounts, which the public technology page does not define.
- The **issuing insurer** (or insurers) for each line, admitted versus surplus-lines status in California or other operating states, and specimen or proposed **forms**, limits, retentions and exclusions.
- How **cyber, D&O, E&O and general liability** interact if customers require professional-services coverage.
- **Compensation**: commission, client fee, contingent or supplemental amounts, affiliate placements, and whether commissions remain earned if you cancel midterm.
- **Service**: named team, claims-advocacy scope, certificate turnaround, and whether a portal will be used.
- **Renewal and replacement** of any existing broker, including gaps Lockton says it will not take responsibility for if another broker placed prior coverage. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

## How Does Lockton Compare With Other Providers?

- [Lockton vs AIG](https://thegeneralaverage.com/compare/aig-vs-lockton)
- [Lockton vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton)
- [Lockton vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton)
- [Lockton vs Aon](https://thegeneralaverage.com/compare/aon-vs-lockton)
- [Lockton vs Armilla](https://thegeneralaverage.com/compare/armilla-vs-lockton)
- [Lockton vs At-Bay](https://thegeneralaverage.com/compare/at-bay-vs-lockton)
- [Lockton vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-lockton)
- [Lockton vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-lockton)
- [Lockton vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-lockton)
- [Lockton vs biBerk](https://thegeneralaverage.com/compare/biberk-vs-lockton)
- [Lockton vs CFC](https://thegeneralaverage.com/compare/cfc-vs-lockton)
- [Lockton vs Chubb](https://thegeneralaverage.com/compare/chubb-vs-lockton)
- [Lockton vs CNA](https://thegeneralaverage.com/compare/cna-vs-lockton)
- [Lockton vs Coalition](https://thegeneralaverage.com/compare/coalition-vs-lockton)
- [Lockton vs Corgi](https://thegeneralaverage.com/compare/corgi-vs-lockton)
- [Lockton vs Coterie Insurance](https://thegeneralaverage.com/compare/coterie-vs-lockton)
- [Lockton vs Counterpart](https://thegeneralaverage.com/compare/counterpart-vs-lockton)
- [Lockton vs Coverdash](https://thegeneralaverage.com/compare/coverdash-vs-lockton)
- [Lockton vs Cowbell](https://thegeneralaverage.com/compare/cowbell-vs-lockton)
- [Lockton vs Embroker](https://thegeneralaverage.com/compare/embroker-vs-lockton)
- [Lockton vs Founder Shield](https://thegeneralaverage.com/compare/foundershield-vs-lockton)
- [Lockton vs Foxquilt](https://thegeneralaverage.com/compare/foxquilt-vs-lockton)
- [Lockton vs Gallagher](https://thegeneralaverage.com/compare/gallagher-vs-lockton)
- [Lockton vs Harper](https://thegeneralaverage.com/compare/harper-vs-lockton)
- [Lockton vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/heffernan-vs-lockton)
- [Lockton vs Hiscox](https://thegeneralaverage.com/compare/hiscox-vs-lockton)
- [Lockton vs HUB International](https://thegeneralaverage.com/compare/hub-international-vs-lockton)
- [Lockton vs Insureon](https://thegeneralaverage.com/compare/insureon-vs-lockton)
- [Lockton vs Kinro](https://thegeneralaverage.com/compare/kinro-vs-lockton)
- [Lockton vs Layr](https://thegeneralaverage.com/compare/layr-vs-lockton)
- [Lockton vs Liberty Mutual](https://thegeneralaverage.com/compare/liberty-mutual-vs-lockton)
- [Lockton vs Markel Insurance](https://thegeneralaverage.com/compare/lockton-vs-markel)
- [Lockton vs Marsh](https://thegeneralaverage.com/compare/lockton-vs-marsh)
- [Lockton vs Marsh McLennan Agency](https://thegeneralaverage.com/compare/lockton-vs-marsh-mclennan-agency)
- [Lockton vs Mylo](https://thegeneralaverage.com/compare/lockton-vs-mylo)
- [Lockton vs Nationwide](https://thegeneralaverage.com/compare/lockton-vs-nationwide)
- [Lockton vs Newfront](https://thegeneralaverage.com/compare/lockton-vs-newfront)
- [Lockton vs ERGO NEXT Insurance](https://thegeneralaverage.com/compare/lockton-vs-next-insurance)
- [Lockton vs Pie Insurance](https://thegeneralaverage.com/compare/lockton-vs-pie-insurance)
- [Lockton vs Relm Insurance](https://thegeneralaverage.com/compare/lockton-vs-relm)
- [Lockton vs Resilience](https://thegeneralaverage.com/compare/lockton-vs-resilience)
- [Lockton vs RiskCube](https://thegeneralaverage.com/compare/lockton-vs-riskcube)
- [Lockton vs Risklytics](https://thegeneralaverage.com/compare/lockton-vs-risklytics)
- [Lockton vs Simply Business](https://thegeneralaverage.com/compare/lockton-vs-simply-business)
- [Lockton vs StartupInsurance.ai](https://thegeneralaverage.com/compare/lockton-vs-startupinsurance)
- [Lockton vs TechInsurance](https://thegeneralaverage.com/compare/lockton-vs-techinsurance)
- [Lockton vs The Hartford](https://thegeneralaverage.com/compare/lockton-vs-the-hartford)
- [Lockton vs THREE by Berkshire Hathaway](https://thegeneralaverage.com/compare/lockton-vs-three)
- [Lockton vs Travelers](https://thegeneralaverage.com/compare/lockton-vs-travelers)
- [Lockton vs USI Insurance Services](https://thegeneralaverage.com/compare/lockton-vs-usi)
- [Lockton vs Vouch](https://thegeneralaverage.com/compare/lockton-vs-vouch)
- [Lockton vs WithCoverage](https://thegeneralaverage.com/compare/lockton-vs-withcoverage)
- [Lockton vs WTW](https://thegeneralaverage.com/compare/lockton-vs-wtw)
- [Lockton vs Zurich U.S.](https://thegeneralaverage.com/compare/lockton-vs-zurich)

## Sources for Lockton

### [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.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/lockton.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://thegeneralaverage.com/llms.txt)