Amelia Risk vs Lockton: How Do They Compare for Cyber Insurance?

Lockton is a broker for hardware, software and telecom clients with a three-step expose, improve and insure approach; Amelia Risk focuses on startups, tech and consumer brands.

Lockton brokers cyber under a three-step Inform, Improve, Insure approach that quantifies exposure and recommends security improvements before placement, for hardware, IT, software and telecom clients. Amelia Risk places network-security coverage for startups and CPG companies without describing that service sequence. ^6,^2,^3,^4,⁵

What Are the Key Differences Between Amelia Risk and Lockton Cyber Insurance?

Security Reviews Before Placement Versus Specialty Lists Only

Lockton brokers cyber and pairs placement with its own risk-management advice under Inform, Improve, Insure: quantifying cyber financial exposure, recommending security improvements, then placing coverage. Its technology practice names electronic hardware, IT, internet, medical equipment, semiconductors, software and telecommunications. Amelia Risk lists cyber for startups, technology, CPG and consumer-product companies, and its reviewed cyber page does not describe posture reviews, tabletop exercises or governance design. Choose Lockton if you want those pre-bind reviews in those industries; choose Amelia Risk if you are a CPG or consumer-product company that wants that specialty list. ⁶ ⁷ ⁴ ²

A Named Cyber Email Versus an Advisor Call

Lockton's Cyber & Technology page lists a named U.S. Cyber & Technology Leader and a published cyber inbox rather than a self-serve quote. Amelia Risk's path is also advisor-led, and it treats social engineering as a traditional add-on while recommending buyers purchase cyber early because of ransomware against small businesses. Neither page names the issuing insurer or publishes limits. ⁶ ¹

What Should You Confirm in Amelia Risk and Lockton Cyber Insurance Quotes?

Ask Lockton which insurer it will place and which Inform, Improve, Insure steps are in the engagement. ⁶
Ask Amelia Risk whether you fit its CPG or startup lists and whether social engineering is extra. ⁴ ¹
Get limits from both; neither reviewed page publishes them. ⁶ ¹

Amelia Risk vs Lockton Cyber Insurance Compared

Amelia Risk vs Lockton: Cyber Insurance: documented features by provider

Criteria	Amelia Risk Cyber Liability Insurance Brokerage	Lockton Cyber & Technology Insurance Brokerage
Who It’s For	Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. ^2,^3,^4,⁵Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. ¹Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold.	Lockton's technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications, and highlights cyber liability as a core exposure for those industries. ⁷Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published.
Role in This Line	Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. ¹Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy.	Lockton brokers cyber insurance and pairs placement with its own risk-management advice under a three-step Inform, Improve, Insure approach: quantifying cyber financial exposure, recommending security improvements, then negotiating coverage terms with insurers. ⁶Company-reported. Cyber & Technology product page as read 2026-09-23.

Criteria

Amelia Risk Cyber Liability Insurance Brokerage

Lockton Cyber & Technology Insurance Brokerage

Who It’s For

Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. ^2,^3,^4,⁵Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. ¹Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold.

Lockton's technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications, and highlights cyber liability as a core exposure for those industries. ⁷Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published.

Role in This Line

Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. ¹Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy.

Lockton brokers cyber insurance and pairs placement with its own risk-management advice under a three-step Inform, Improve, Insure approach: quantifying cyber financial exposure, recommending security improvements, then negotiating coverage terms with insurers. ⁶Company-reported. Cyber & Technology product page as read 2026-09-23.