---
title: "Alliance Risk vs Lockton"
description: "Compare Alliance Risk and Lockton for a technology company seeking international program coordination, contract review and defined claims advocacy."
canonical: "https://spot.insure/compare/alliance-risk-vs-lockton"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Alliance Risk", "Lockton"]
---

[Human-readable page](https://spot.insure/compare/alliance-risk-vs-lockton)

# Alliance Risk vs Lockton

Compare Alliance Risk and Lockton for a technology company seeking international program coordination, contract review and defined claims advocacy.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and Lockton against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Alliance Risk markets technology insurance placement and policy review. Lockton’s technology practice describes international program design, contract review and claims advocacy within a broader risk, benefits and retirement brokerage. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [13](https://global.lockton.com/us/en/technology "Technology") [24](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")



## Introduction

A technology company adding an overseas operation may need a coordinated insurance design rather than another isolated policy. Lockton’s technology practice explicitly describes international program design and contract review. Alliance Risk offers a technology-focused placement and policy-review process. Compare the work each team proposes for the new operation, including where its service and placement responsibilities stop. [13](https://global.lockton.com/us/en/technology "Technology") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

## Documented Provider Strengths

### Alliance Risk

- Technology focus from pre-seed through IPO [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)
- No-charge technology E&O policy review [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)

### Lockton

- Lockton describes itself as a privately held independent broker for risk, employee benefits and retirement, not as the insurer on the policies it places. [12](https://global.lockton.com/us/en "Lockton United States") [24](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [31](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.)
- US pages list brokerage for cyber and privacy, directors and officers, casualty (including general and product liability, auto, cargo, umbrella and workers’ compensation), property, fiduciary liability and employee benefits. [13](https://global.lockton.com/us/en/technology "Technology") [14](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [15](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [16](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [17](https://global.lockton.com/us/en/products-services/property "Property Insurance") [18](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [19](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [20](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [21](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.)

## Coverage Comparison

| Coverage Type | Alliance Risk | Lockton |
| --- | --- | --- |
| Builders risk | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Business owner’s policy | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Cargo and transit | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [16](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Commercial auto | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [16](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Commercial property | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [17](https://global.lockton.com/us/en/products-services/property "Property Insurance") |
| Crime | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [21](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Cyber liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [14](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [13](https://global.lockton.com/us/en/technology "Technology") |
| Directors and officers | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [15](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [13](https://global.lockton.com/us/en/technology "Technology") |
| Employee health and benefits | Not listed | Listed [19](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") |
| Employment practices liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [21](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Equipment breakdown | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Fiduciary liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [20](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") |
| General liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [16](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Intellectual property | Listed [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") | Not listed |
| Key person | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [21](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Liquor liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Management liability | Listed [11](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") | Not listed |
| Media liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Product liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [16](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Product recall | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Professional liability / E&O | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [21](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Representations and warranties | Not listed | Listed [21](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Surety bonds | Not listed | Listed [21](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") |
| Technology errors and omissions | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Tools, equipment and inland marine | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Umbrella and excess liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [16](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |
| Workers’ compensation | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [18](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [16](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## 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://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Alliance Risk and Lockton

### Require a Country-Specific Plan from the Broader Service Promise

Lockton markets technology expertise across software, hardware and other technology sectors, with a round-the-clock service model. The reviewed practice pages do not publish a minimum revenue or funding stage. A small company should request confirmation that the account fits the proposed team, then ask what international design actually includes for its countries and activities. [13](https://global.lockton.com/us/en/technology "Technology") [12](https://global.lockton.com/us/en "Lockton United States")

Alliance Risk’s technology E&O process asks for contracts and operational information and offers a review of existing coverage. That is a useful input to the same exercise, but its technology marketing does not by itself establish a foreign-policy network or a particular overseas placement. Require both proposals to distinguish analysis, insurance placement and ongoing administration. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance")

### Do Not Mistake Catalogue Evidence for an Exclusion

Alliance Risk has a direct technology E&O service page. Lockton’s canonical catalogue instead draws on its technology, cyber, casualty and financial-lines offering pages; technology E&O was not added solely from educational articles. That sourcing distinction is not a finding that Lockton cannot arrange it. Ask Lockton to specify the proposed technology-liability solution before comparing forms. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [13](https://global.lockton.com/us/en/technology "Technology") [14](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [21](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms")

Lockton’s terms also explain that it is not obligated to use a particular insurer and generally does not have authority to bind insurers except in disclosed circumstances. Neither its unnamed market relationships nor Alliance Risk’s admitted and surplus-lines access establishes a carrier for the applicant. For international work, a market plan is more informative than a general statement about access. [24](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [18](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance")

### Put Claims Work and Compensation in the Engagement Letter

Lockton describes an integrated Professional & Executive Risk Claims team and consulting that can include policy mapping, claim presentations and discussion with insurer lawyers and adjusters. Those are broker services, not an assurance of payment or legal representation on every matter. Alliance Risk’s reviewed public pages do not define an equally detailed claims assignment, so request the scope directly rather than assuming it is absent. [13](https://global.lockton.com/us/en/technology "Technology") [22](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [24](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [7](https://joinalliancerisk.com/contact-us/ "Contact Us") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance")

Lockton’s terms allow negotiated fees, commissions and other compensation, and describe commissions as fully earned at inception subject to law and insurer contracts. Alliance Risk’s terms contemplate commissions and possible service or cancellation charges. A company that may restructure its program after expansion should ask how compensation changes if a policy or engagement ends midterm. [24](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions")

## What to Confirm in Quotes

- Which countries, operations and contracts will the team analyze, and which local or international policy placements are actually proposed?
- What technology E&O form is available, and how will it coordinate with cyber, general liability and any overseas cover?
- Which claims-consulting tasks and response commitments are included, and when is separate counsel or a separately paid service needed?
- Confirm the contracting producer and California authority, then the insurer schedule and treatment of fees or commissions on midterm changes. Lockton’s company-issued California certificate header and Alliance Risk’s license page are not independent current-license verification. [32](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") [5](https://joinalliancerisk.com/insurance-licenses/ "Insurance Licenses")



## Service Comparison

Alliance Risk vs Lockton: documented services and availability.

| Criteria | Alliance Risk | Lockton |
| --- | --- | --- |
| Customer focus | Alliance Risk markets to technology businesses from pre-seed through public-company stages, including SaaS, hardware, fintech, healthtech and AI. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | Lockton markets to organizations seeking risk, benefits and retirement brokerage. Its US technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Separate pages address private-equity firms, including portfolio-company programs. The reviewed pages do not publish a minimum company size, funding stage or revenue floor for technology clients. [12](https://global.lockton.com/us/en "Lockton United States") [13](https://global.lockton.com/us/en/technology "Technology") [21](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.) |
| Application process | The quote page starts with a contact request for company, website, contact details and a message. It advertises a free, no-obligation quote; the visible form does not provide a bindable offer. [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>For technology E&O, Alliance Risk requests service details, revenue, employee count, major client contracts, existing coverage, five-year claims history and customer concentration. It says it reviews the current program and approaches specialist carriers. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>The general quote page advertises a quote within 24 hours, while the technology page gives 48–72 hours for standard software risks and five to ten business days for hardware, fintech, healthtech and AI. Treat timing as company estimates, not a binding deadline. [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Conflicting sources; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | Public US application starts as an inquiry: the US contact form (Ask an Expert) and industry pages invite buyers to connect with a team. The privacy notice refers to soliciting an insurance policy quote. The Cyber & Technology page publishes cyber@lockton.com. Reviewed pages do not describe a self-serve bind flow, published quote turnaround, or an unauthenticated online application that issues a policy without a Lockton representative. [23](https://global.lockton.com/us/en/contact-us "Contact Us") [12](https://global.lockton.com/us/en "Lockton United States") [26](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [14](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [25](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.) |
| Access to insurers | Alliance Risk reports using admitted and excess-and-surplus-lines markets for startups. The reviewed technology, quote and legal pages do not identify the insurer that would issue a California buyer’s policy. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | Lockton says it is not obligated to use any particular insurer, is generally not authorized to bind insurers except in circumstances it says it will try to disclose, and does not guarantee placement on acceptable terms. Cyber pages refer to insurer partners without naming them. The workers’ compensation page claims access to more than 100 regional, global and program markets without listing those markets. Surplus-lines insurers may appear in a proposal when admitted markets cannot meet requested terms. Named issuing companies for a buyer’s policies were not disclosed on the reviewed pages. [24](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [14](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [18](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.) |
| Servicing and renewals | Alliance Risk offers a no-charge review of existing technology E&O policies, including gaps, retroactive dates and market alternatives. This is a company-described service, not evidence of review quality. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>Alliance Risk advertises online program access and 24/7 support. Its contact page lists weekday telephone hours of 9am–6pm EST; an after-hours response commitment and renewal timetable were not established in those pages. [8](https://joinalliancerisk.com/ "All In One Insurance Risk Advisory to Protect Your Business") [7](https://joinalliancerisk.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | Casualty pages say the same dedicated service team stays with the client through the process. Technology pages describe a round-the-clock service model. Terms of Business cover day-to-day servicing, risk control, insurance renewal services, policy administration and the use of intermediaries (including Lockton affiliates) in servicing and placement. Property pages say the team that meets the client also negotiates with markets rather than a remote broking center. A public client-portal feature list was not established beyond a Lockton Portal login link on the US site. [16](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [13](https://global.lockton.com/us/en/technology "Technology") [24](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [17](https://global.lockton.com/us/en/products-services/property "Property Insurance") [12](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.) |
| Fees and compensation | Alliance Risk’s terms allow service, installment, cancellation and flat fees, and fees or commissions from insurers or other third parties. The terms do not state amounts or commission rates. A free quote does not establish free ongoing service. [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | US Terms of Business say Lockton may be paid insurer commissions (a percentage of premium), negotiated client fees in lieu of or in addition to commissions, additional compensation such as contingent or supplemental commissions, insurer service fees (including for some managing-general-agency or analytics work), compensation involving affiliate Lockton Re, LLC on reinsurance placements, and interest or premium-finance related income. Commissions are described as fully earned at inception unless law or insurer contracts say otherwise. The terms tell clients to ask their Lockton representative for account-specific compensation. No public fee schedule, commission percentages or typical startup pricing appears on the reviewed pages. [24](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.) |

## Related Reading

- [What Is Alliance Risk?](https://spot.insure/insurance-providers/alliance-risk)
- [What Is Lockton?](https://spot.insure/insurance-providers/lockton)

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- [Embroker vs Lockton](https://spot.insure/compare/embroker-vs-lockton)
- [Founder Shield vs Lockton](https://spot.insure/compare/foundershield-vs-lockton)
- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton)
- [Harper vs Lockton](https://spot.insure/compare/harper-vs-lockton)
- [Heffernan vs Lockton](https://spot.insure/compare/heffernan-vs-lockton)
- [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton)
- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton)
- [Kinro vs Lockton](https://spot.insure/compare/kinro-vs-lockton)
- [Layr vs Lockton](https://spot.insure/compare/layr-vs-lockton)
- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh)
- [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo)
- [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront)
- [Lockton vs ERGO NEXT](https://spot.insure/compare/lockton-vs-next-insurance)
- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance)
- [Lockton vs Relm](https://spot.insure/compare/lockton-vs-relm)
- [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience)
- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube)
- [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics)
- [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance)
- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance)
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford)
- [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers)
- [Lockton vs USI](https://spot.insure/compare/lockton-vs-usi)
- [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch)
- [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage)

## Sources

### [Alliance Risk Official Website](https://joinalliancerisk.com/)

1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
2. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16.
3. [Terms & Conditions](https://joinalliancerisk.com/terms-conditions/). Alliance Risk; Sections 1, 4, 5, 17 and 18; last updated October 30, 2024. Accessed 2026-09-16.
4. [Privacy Policy](https://joinalliancerisk.com/privacy-policy/). Alliance Risk; Sections 1, 4, 5 and 13; revised October 30, 2024. Accessed 2026-09-16.
5. [Insurance Licenses](https://joinalliancerisk.com/insurance-licenses/). Alliance Risk; CA entry; site footer producer trade name and NPN. Accessed 2026-09-16.
6. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Why Alliance Risk?; Prefer to Call?. Accessed 2026-09-16.
7. [Contact Us](https://joinalliancerisk.com/contact-us/). Alliance Risk; Talk to an Expert; Prefer to Call?. Accessed 2026-09-16.
8. [All In One Insurance Risk Advisory to Protect Your Business](https://joinalliancerisk.com/). Alliance Risk; Why Us?; footer brokerage disclosure. Accessed 2026-09-16.
9. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Coverages product cards, from Accountant Professional Liability through Wrap-Up Insurance. Accessed 2026-09-16.
10. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
11. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; Closing offer to recommend a package or standalone approach; three core lines. Accessed 2026-09-16.

### [Lockton Official Website](https://global.lockton.com/us/en)

12. [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.
13. [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.
14. [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.
15. [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.
16. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers compensation; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team. Accessed 2026-09-16.
17. [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; no centralized broking centers claim. Accessed 2026-09-16.
18. [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.
19. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16.
20. [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.
21. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities list including D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person, and benefits design. Accessed 2026-09-16.
22. [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.
23. [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.
24. [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.
25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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.
32. [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.
33. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry landing page; interactive lookup not completed with a returned license detail record in this research pass. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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