Simplifying Complex Programs

Even the most complex casualty insurance programs become simpler for you with help from Lockton’s casualty experts.

With full access to the London, European, and Bermudan markets, we use the widest range of insurers for our clients’ benefit.

With extensive market experience and backgrounds in both broking and underwriting, our casualty experts are perfectly positioned to undertake challenging and complex negotiations from a position of strength.

Developing an in-depth understanding of our clients risk exposures and insurance requirements is fundamental to our approach, and our teams are central to this process. It is through this that we are best positioned to deliver cost efficient insurance structure that is both fit for purpose and delivers risk-appropriate coverage.

You will have the same dedicated service team throughout the entire process, which allows us to anticipate your needs and create accountability.

Auto Liability

Whether your business is long-haul trucking or retail sales, every company’s assets are at risk after an auto accident.  Lockton’s experienced team will help manage those risks.

Having designed insurance programs for the largest trucking fleets in the nation, we use our expertise to create insurance and risk management solutions for your wholesale, livery, delivery or sales fleets.

You benefit from Lockton’s access to the global marketplace, which allows us to provide the most cost-effective option without sacrificing coverage quality. By choosing from more than 50 different markets, we deliver to you the best pricing available on:

  • Commercial auto insurance programs for business
  • High deductible programs for large fleets
  • Qualified self-insurance solutions
  • Alternative risk solutions, including captives
  • Buffer market access
  • Trucking non-use coverage
  • Coverage for emergency service vehicles and livery operation
  • Large “non-owned” fleets and brokerage operations
  • Driver on-boarding and related consulting
  • Safety consulting
  • Complete claims support

Employers Liability

As an employer, you face an array of risks from breach of contract to discrimination. Choosing the right employment practices liability insurance program takes careful consideration. Lockton understands the issues. We know how to protect both your company and its employees, and our specialists tailor policies that suit your organization’s needs.

Employment practices liability insurance protects your company against the financial losses associated with employment litigation. This may include reimbursement for settlements, judgments, and the expense of defending yourself when you are accused of:

  • Breach of employment contract
  • Discrimination against employees or prospective employees
  • Wrongful Termination
  • Sexual or other harassment

An effective policy also protects against the implications of changing legislation that affects employment. Your Lockton experts will make sure you are covered.

General and Product Liability

Your general liability and product liability insurance program is at the center of protecting your business. A comprehensive liability program is a crucial part of maintaining your company’s value. It is also a requirement for doing business in a global economy.

Commercial enterprises around the world benefit from Lockton’s experience in creating custom, innovative general liability insurance structures that reduce risk. Whether you are a global manufacturer, business-to-business service provider, consumer products company, REIT, contractor, or healthcare company, Lockton has a solution that fits your industry.  Through your Lockton team, you have access to the full capacity of the global insurance market. 

Lockton specializes in liability solutions that provide broad risk protection, including:

  • Environmental impairment
  • Medical malpractice
  • Global risk
  • Product liability
  • Professional liability/professional indemnity
  • Product recall
  • Umbrella liability and excess

Motor

No matter the size of your business, Lockton can find the right motor insurance programme for you. We take the time to understand your business and the support you need, which allows us to help you improve the management of your fleet insurance and fleet risk management.

Our fully integrated broking teams provides a full placement service, from preparation of marketing documents, through the negotiation stage, to invoicing and issuing of contract certain wordings. This ensures that we are best placed to deliver an efficient, accurate and responsive service, both through the renewal process and mid-term.

Workers' Compensation

Empower your workforce to achieve your company’s goals. Get the most from your employees. Keep your labor costs competitive in the global marketplace. At Lockton, we understand your goals and objectives. Our workers’ compensation experts design insurance programs that reduce costs, and we analyze your loss data to identify the causes that can be most efficiently eliminated.

You benefit from Lockton’s expertise in workers’ compensation:

  • Access to more than 100 regional, global and program markets ensures you get the best pricing
  • State-of-the-art benchmarking services through InfoLock
  • Alternative risk expertise, including captive consulting and formation
  • Texas & Oklahoma non-subscription consulting and expertise
  • Jones Act, Outer Continental Shelf & USL&H insurance programs
  • Trucking solutions, including occupational accident programs
  • Qualified self-insurance consulting, implementation, administration, design, and placement
  • Sophisticated analytics designed to take advantage of market trends
  • Loss forecasting and probability analysis
  • A full suite of safety services designed to reduce loss costs
  • OSHA consulting
  • Claims service advocates to ensure coverage and reduce retained loss costs
  • Specialty collateral solutions.

Your Lockton team includes actuaries, claims advisors, and safety specialists working with the most aggressive brokers in the industry to deliver results for you.

Discover more Insights & Publications  |  Read more in the Lockton Newsroom  |  See our Client Stories
Discover more Insights & Publications
Read more in the Lockton Newsroom
See our Client Stories