Property insurance varies considerably, depending on your risk profile and business footprint. Lockton’s specialists will work closely with you to create a custom solution that delivers optimum value. Our large property portfolio is diversified and spread across Asia Pacific region. Our experts will act as an extension of your team to accurately identify, develop and implement the property program that is right for you.

— PRODUCT

Property & Casualty

Property Insurance

Protecting Your Assets

Property insurance varies considerably, depending on your risk profile and business footprint. Lockton’s specialists will work closely with you to create a custom solution that delivers optimum value. Our large property portfolio is diversified and spread across Asia Pacific region. Our experts will act as an extension of your team to accurately identify, develop and implement the property program that is right for you.

Our Services

  • Bespoke Business Interruption coverage and analysis

  • Direct involvement in face-to-face brokering of accounts to most senior underwriters

  • Assistance with complex claim recovery

  • Preparation and execution of RFPs

  • Market updates and assistance with preparation of management reports

Casualty Insurance

Casualty insurance is at the Centre 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. Developing an in-depth understanding of our clients risk exposures and insurance requirements is fundamental to our approach. Our team is central to this process with past experience in underwriting, risk management and broking in the region. 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.

Our Services

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

  • Product liability

  • Product recall

  • Workers' compensation

  • Motor liability

  • Event liability/cancellation

  • Environmental impairment

  • Professional liability (Medical malpractice)

  • Umbrella liability and excess

  • Defence Base Act insurance

Customized solutions

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.

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

Customized, strategic solutions

No matter the size of your business, Lockton can find the right motor insurance solution for you. Our experts 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 verbiage. This ensures that you have the most accurate, efficient, and responsive service throughout the renewal and mid-term process.

Tailored solutions

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 and 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

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Latest News & Insights

Insurers, especially health insurers, can play an important role in organisations’ employee benefits programmes. These help the organisations in building lasting connections between employers and their workforce. In addition, insurers can enable organisations to offer employees the vital benefits of choice, personalisation and comprehensive coverage and access to expert advice. Speaking with Asia Insurance Review, Lockton India MD and Head of People Solutions Mr. Sudip Indani said, “Due to local socio-economic situations, different skill sets, variety of formats of government support on health and wellbeing, and the overall employment market, a one-size-fits-all model does not work when it comes to employee benefits. “Today, employees look beyond plain vanilla health insurance offerings. Organisations also need to ensure that employees understand the true value of the benefits they are receiving. Also, there should be a scope for personalisation, which greatly enhances engagement and satisfaction. It is equally important to demonstrate the value of focusing on preventive health and holistic wellbeing programmes which can encompass mental health support. Such initiatives can help Indian employers tailor to the local needs of the employees and ensure that the employee benefits are both relevant and impactful.” Health insurance plus Mr Indani said beyond traditional health insurance, organisations are expanding benefits to cover mental health, financial wellness, and holistic well-being. By bringing together personalisation, technology, and inclusivity, organisations can move beyond traditional benefit models to create dynamic programmes that evolve with workforce needs. This not only drives engagement, retention and productivity but also builds a resilient, future-ready workplace culture. He said, “Health insurance has traditionally served as the final safety net, offering financial protection only after a medical event has occurred. However, forward-looking organisations are recognising that employee well-being requires a broader approach. Beyond medical coverage, it must also address preventive measures that protect employees and their families from physical, financial, and mental stress. This philosophy mirrors the principles of risk management – avoid the risk, manage the risk, and finally, transfer the risk. “Our 2025 Global Wellbeing Strategy Survey, conducted with large groups of multinational organisations, also revealed that mental and emotional health has emerged as the foremost wellbeing priority for employers worldwide. Organisations are embedding these aspects as well into comprehensive wellbeing strategies, integrating it with other health and social support systems to build workforce resilience.” The focus is shifting from reactive healthcare to proactive, holistic wellbeing. Employers are increasingly investing in preventive healthcare, counselling, lifestyle management programmes, and financial wellness solutions to reduce risks before they escalate. These initiatives not only mitigate medical costs and claims volatility but also enhance employee engagement and productivity. He said, “Data-driven insights are further enabling organisations to measure impact, optimise benefits, and align wellbeing strategies with business goals. This integration underscores that wellbeing is no longer a “nice-to-have,” but a strategic imperative directly linked to sustainable performance. “As workplaces become more complex, embedding holistic wellbeing at the core of organisational strategy is emerging as a defining differentiator. Companies that prioritise prevention and resilience will be best positioned to sustain long-term growth and success.” Preventive healthcare and wellness Speaking about the role of preventive healthcare and wellness engagement in reducing long-term risk for insurers and employers, Mr Indani said, “Preventive healthcare is at the heart of a sustainable employee benefits strategy. A single hospitalisation isn’t just a treatment cost, it also affects employee focus, performance, and productivity. “By emphasising early detection, regular health check-ups, and healthy lifestyle habits, companies help employees stay healthier for longer, reducing both the frequency and severity of claims. From an insurer’s standpoint, healthier employees mean fewer claims, lower premiums, and more predictable underwriting. For employers, the benefits are clear: higher productivity, lower absenteeism, and a stronger employer brand.” Wellness engagement further strengthens outcomes. Participation in fitness programmes, mental health support, and lifestyle coaching fosters healthier behaviours. Personalised programmes supported by digital tools enhance participation and impact. Studies have shown that preventive care and medication adherence play a key role in reducing hospitalisations. Patients who follow their medication schedules and maintain regular preventive care can lower their hospitalisation risk by around 38%. Together, preventive healthcare and wellness initiatives enable a proactive model of health management, delivering cost savings, reducing risk, and building resilient, engaged workforces. Technology benefits Elaborating on how technology (AI, analytics, digital health tools) shape the future of employee benefits delivery and claims experience, Mr Indani said, “Technology is the backbone of modern benefits and compensation programmes. AI and analytics help provide real-time insights into employee needs, enabling organisations to design wellbeing programmes tailored to diverse demographics and health conditions. “Whether it is flexible benefits like insurance or learning and development opportunities, technology ensures employees get the right support at the right time. App-based access, paperless claims, and digital reward statements make it easier than ever for employees to see and use their benefits.” “Digital platforms also help in simplifying communication, enrollment, and claims tracking, enhancing transparency and engagement. Integration of solutions like telemedicine, mental health apps, and health monitoring devices supports proactive, holistic wellbeing beyond traditional healthcare.” Mr Indani said, “Automation is also reshaping claims processing, ensuring faster reimbursements, fewer errors, and improved satisfaction. At a strategic level, technology helps organisations consolidate vendors, integrate data, and continuously innovate their benefits ecosystem. By embracing technology-driven benefits delivery, organisations can align with evolving workforce expectations, strengthen employee trust, and build a resilient, future-ready workplace. Evolving employee expectations Speaking about the rapidly evolving employee expectations and how organisations can design benefits that are more personalised and flexible, Mr Indani said, “By embracing personalisation and flexibility, companies can better address the diverse needs of their workforce. To create more personalised and flexible benefits, organisations need to move away from a standardised approach and adopt modular benefit frameworks. This means providing employees with a range of options they can select based on their specific requirements, such as eldercare, childcare, mental and physical health support, maternity and fertility benefits, flexible work arrangements, or financial planning assistance.” He said a data-driven strategy, leveraging surveys and analytics, can help identify the best-fit benefits for employees, enabling more targeted offerings. Currently, around 40% of employers provide some degree of choice in their benefits programmes, but fewer than 5% have achieved true micro-personalisation. Mr Indani said, “Superior quality employee benefits are no longer a luxury but a necessity to attract and retain talent, especially in India’s competitive market, where the demand for skilled professionals exceeds supply. “By bringing together personalisation, technology, and inclusivity, organisations can move beyond traditional benefit models to create dynamic programmes that evolve with workforce needs. This not only drives engagement, retention, and productivity, but also builds a resilient, future-ready workplace culture.” To conclude Mr Indani said, “In 2026, the focus will be on holistic well-being with flexible work, mental health support, enhanced insurance, financial planning, childcare, and even pet care. Employers are also introducing on-site perks like gyms and healthcare clinics along with eco-friendly initiatives. Collectively, these approaches foster resilience, retention, and sustainable workforce performance.” Insurers can add value to organisations’ employee benefit programmes

Insurers can add value to organisations’ employee benefit programmes

article
Insurers, especially health insurers, can play an important role in organisations’ employee benefits programmes. These help the organisations in building lasting connections between employers and their workforce. In addition, insurers can enable organisations ...
Insurers can add value to organisations’ employee benefit programmes

Neha Plasterwala Named to BW Marketing World’s 40 Under 40 for 2025

We are proud to announce that Neha Plasterwala, Director and Head of Marketing and Communications – India, has been recognized in the BW Marketing World’s 40 Under 40 list for 2025. The annual award, hosted by BW Businessworld, celebrates rising marketing and communications leaders who are driving innovation, measurable business impact, and strategic excellence across various industries. Neha Plasterwala, Director and Head of Marketing and Communications – India, said, “Being named to the BW Marketing World’s 40 Under 40 list is a proud moment and a testament to the collaborative spirit at Lockton. My goal has always been to integrate global brand excellence with local market insights. This recognition motivates our team to continue pushing the boundaries of marketing innovation while supporting our strategic objectives for diversified distribution and long-term impact in India.” Since joining Lockton in early 2024, Neha has been instrumental in establishing our brand presence in the Indian market. Leveraging her extensive experience in the insurance sector, she develops high-impact marketing strategies that resonate with corporate clients in complex risk environments. This recognition epitomizes our commitment to empowering top-tier talent and fostering a culture of leadership and innovation. Our Associates are encouraged and trusted to do what is right for clients, for one another, and for communities. The BW Marketing World 40 Under 40 selection process involves a rigorous evaluation by a jury of industry veterans. The winners were chosen for their ability to adapt to a rapidly changing digital landscape, leadership in market expansion, and contribution to the overall growth of the marketing ecosystem in India. We are proud to announce that Neha Plasterwala, Director and Head of Marketing and Communications – India, has been recognized in the BW Marketing World’s 40 Under 40 list for 2025. The annual award, hosted by BW Businessworld, celebrates rising marketing and communications leaders who are driving innovation, measurable business impact, and strategic excellence across various industries. Neha Plasterwala, Director and Head of Marketing and Communications – India, said, “Being named to the BW Marketing World’s 40 Under 40 list is a proud moment and a testament to the collaborative spirit at Lockton. My goal has always been to integrate global brand excellence with local market insights. This recognition motivates our team to continue pushing the boundaries of marketing innovation while supporting our strategic objectives for diversified distribution and long-term impact in India.” Since joining Lockton in early 2024, Neha has been instrumental in establishing our brand presence in the Indian market. Leveraging her extensive experience in the insurance sector, she develops high-impact marketing strategies that resonate with corporate clients in complex risk environments. This recognition epitomizes our commitment to empowering top-tier talent and fostering a culture of leadership and innovation. Our Associates are encouraged and trusted to do what is right for clients, for one another, and for communities. The BW Marketing World 40 Under 40 selection process involves a rigorous evaluation by a jury of industry veterans. The winners were chosen for their ability to adapt to a rapidly changing digital landscape, leadership in market expansion, and contribution to the overall growth of the marketing ecosystem in India.

Lockton India launches ‘LocktonThrive’, a holistic employee wellbeing solution powered by a first-of-its-kind AI-led platform by AdvantageClub.ai

Lockton, the world’s largest independent insurance brokerage, today announced the launch of ‘LocktonThrive’, its proprietary employee wellbeing solution powered by Lockton Services India Private Limited designed to help organisations deliver a unified, personalised, and digital-first wellbeing experience to their workforce. Developed in partnership with AdvantageClub.ai, an AI-powered employee engagement, rewards and recognition platform enables employers to consolidate all corporate wellbeing services into a single, customisable interface. Designed as a plug-and-play solution, the digital plaform simplifies wellbeing programme management for employers while improving employee participation. The platform brings together physical, mental, social, and financial wellbeing initiatives, supported by AdvantageClub’s technology-led engagement ecosystem, including rewards and recognition, flexible wellbeing solution, wellbeing challenges, and incentives. Commenting on the partnership, Mr. Cedric Luah, Head of People Solutions, Lockton Asia, said, “Employee wellbeing has evolved into a true strategic priority for organisations, far beyond a traditional benefits conversation. As workforces face rising stress, shifting expectations, and increasingly diverse needs, wellbeing now plays a critical role in strengthening engagement, productivity, and long-term workforce strength. Our partnership with AdvantageClub.ai brings together advisory expertise and seamless digital integration to help employers build a more connected, data-driven wellbeing strategy – delivering measurable outcomes and supporting long-term workforce resilience.” Sourabh Deorah, CEO and Co-Founder, AdvantageClub.ai, added, “I’ve always believed that employee wellness shouldn’t feel like a complicated puzzle. Our vision at AdvantageClub.ai is to make workplaces healthier by integrating all the pieces and empowering users with choices. Partnering with Lockton allows us to do exactly that at scale! By powering LocktonThrive, we’re giving employees a single, easy-to-use platform to manage their health across physical, mental, financial, and family care. This will not only make it easy for employees but will also increase adoption by removing inefficiencies. We are essentially taking the ‘work’ out of wellness for HR teams, and I’m excited to see how this partnership helps the working population across India to be their best selves every day!” This partnership underscores Lockton India’s focus on advancing how organisations approach employee wellbeing. By combining strategic consulting with digital enablement, the collaboration supports employers in responding to shifting workforce expectations and embedding wellbeing more meaningfully into their people strategiesLockton, the world’s largest independent insurance brokerage, today announced the launch of ‘LocktonThrive’, its proprietary employee wellbeing solution powered by Lockton Services India Private Limited designed to help organisations deliver a unified, personalised, and digital-first wellbeing experience to their workforce. Developed in partnership with AdvantageClub.ai, an AI-powered employee engagement, rewards and recognition platform enables employers to consolidate all corporate wellbeing services into a single, customisable interface. Designed as a plug-and-play solution, the digital plaform simplifies wellbeing programme management for employers while improving employee participation. The platform brings together physical, mental, social, and financial wellbeing initiatives, supported by AdvantageClub’s technology-led engagement ecosystem, including rewards and recognition, flexible wellbeing solution, wellbeing challenges, and incentives. Commenting on the partnership, Mr. Cedric Luah, Head of People Solutions, Lockton Asia, said, “Employee wellbeing has evolved into a true strategic priority for organisations, far beyond a traditional benefits conversation. As workforces face rising stress, shifting expectations, and increasingly diverse needs, wellbeing now plays a critical role in strengthening engagement, productivity, and long-term workforce strength. Our partnership with AdvantageClub.ai brings together advisory expertise and seamless digital integration to help employers build a more connected, data-driven wellbeing strategy – delivering measurable outcomes and supporting long-term workforce resilience.” Sourabh Deorah, CEO and Co-Founder, AdvantageClub.ai, added, “I’ve always believed that employee wellness shouldn’t feel like a complicated puzzle. Our vision at AdvantageClub.ai is to make workplaces healthier by integrating all the pieces and empowering users with choices. Partnering with Lockton allows us to do exactly that at scale! By powering LocktonThrive, we’re giving employees a single, easy-to-use platform to manage their health across physical, mental, financial, and family care. This will not only make it easy for employees but will also increase adoption by removing inefficiencies. We are essentially taking the ‘work’ out of wellness for HR teams, and I’m excited to see how this partnership helps the working population across India to be their best selves every day!” This partnership underscores Lockton India’s focus on advancing how organisations approach employee wellbeing. By combining strategic consulting with digital enablement, the collaboration supports employers in responding to shifting workforce expectations and embedding wellbeing more meaningfully into their people strategies

Lockton announces 2026 Global Benefits Forum series

Lockton People Solutions is excited to announce details of its 2026 Global Benefits Forum, an annual event series bringing together HR leaders from around the world to explore the forces reshaping employee benefits and workforce strategies for multinational employers. Lockton People Solutions is excited to announce details of its 2026 Global Benefits Forum, an annual event series bringing together HR leaders from around the world to explore the forces reshaping employee benefits and workforce strategies for multinational employers.
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