---
title: "Aon vs Lockton: Cyber Insurance"
description: "Aon describes claims advocacy and external response-provider relationships; Lockton pairs cyber placement with security assessments, response exercises and governance advice."
canonical: "https://spot.insure/compare/aon-vs-lockton/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-lockton"
provider-a: "aon"
provider-b: "lockton"
coverage-line: "cyber"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of Aon and Lockton for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Aon versus Lockton. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Aon vs Lockton for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Aon or Lockton?
- What does Aon or Lockton publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from Aon or Lockton?

**Key facts:**
- Line: Cyber Insurance. Providers: Aon and Lockton.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Aon vs Lockton](https://spot.insure/compare/aon-vs-lockton) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [Aon vs Lockton Commercial Property Insurance](https://spot.insure/compare/aon-vs-lockton/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Lockton Crime Insurance](https://spot.insure/compare/aon-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Lockton D&O Insurance](https://spot.insure/compare/aon-vs-lockton/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Lockton General Liability Insurance](https://spot.insure/compare/aon-vs-lockton/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Cyber Insurance](https://spot.insure/compare/aig-vs-aon/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Cyber Insurance](https://spot.insure/compare/aig-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-aon/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Aon Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-aon/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)

# Aon vs Lockton: How Do They Compare for Cyber Insurance?

Aon describes claims advocacy and external response-provider relationships; Lockton pairs cyber placement with security assessments, response exercises and governance advice.

## Research Scope and Use

Use this comparison to evaluate Aon and Lockton for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Aon describes claims preparation and advocacy with third-party incident-response providers under separate contracts. Lockton’s Inform, Improve, Insure approach includes exposure modeling, recommended security improvements and insurer negotiations, plus incident-response exercises and governance support. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## What Is Aon?

Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [2](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients")

[Aon profile](https://spot.insure/insurance-providers/aon)

## What Is Lockton?

Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. [4](https://global.lockton.com/us/en "Lockton United States") [5](https://global.lockton.com/us/en/technology "Technology") [6](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [8](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [9](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## Key Differences in Cyber Insurance

### Risk services before and after placement

Aon describes cyber claims advocacy and preparation and relationships with incident-response providers, whose contracts are separate and may involve referral compensation. Lockton pairs placement with cybersecurity posture reviews, incident-response exercises, security governance and cyber-hygiene policies through its Inform, Improve, Insure approach. Buyers should compare who performs each service and whether it is included, since service descriptions do not establish policy benefits or vendor contracts. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### Industry focus and contact path

Aon describes cyber services for organizations managing risk without publishing a detailed industry schedule. Lockton highlights technology sectors including software, telecom, semiconductors, medical equipment and internet businesses, and directs buyers to a named cyber leader or team email rather than self-service quoting. A technology buyer can assess Lockton’s specialist fit, then ask either broker for the insurer and tailored coverage terms. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") [5](https://global.lockton.com/us/en/technology "Technology")

## What to Confirm in Cyber Insurance Quotes

- Ask Lockton which security reviews, exercises and governance services are included, who delivers them and whether they continue after binding. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Aon who contracts with incident-response providers; ask both brokers for markets, limits, retentions and claims contacts. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## Offering Details

| Criteria | Aon Cyber brokerage and risk-advisory offering | Lockton Cyber & Technology Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Aon describes cyber insurance brokerage and risk-advisory services. It is not identified as the risk-bearing insurer, and the global page does not name the carrier for a particular placement. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance..) | 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. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |
| Issuing Insurer | The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Not found in reviewed sources; scope: Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available..) | Lockton says it has built alliances with cybersecurity firms and insurer partners, but the reviewed pages do not name specific cyber insurers or which carrier would issue a given client's policy. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Not publicly disclosed; scope: Cyber & Technology page checked 2026-09-23..) |
| Who It’s For | Aon describes cyber services for organizations managing cyber risk. Its global practice page does not publish a complete industry, revenue, security-control or state-by-state eligibility schedule. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state..) | 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. [5](https://global.lockton.com/us/en/technology "Technology") (Evidence: Company-reported; scope: Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published..) |
| Coverage Features | Aon describes cyber insurance as one part of cyber risk financing and says it reviews policy offerings because terms and conditions vary. For professional-services firms, it discusses coordinating cyber and professional-liability coverage. This is brokerage guidance and does not establish the terms of any cyber policy. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control..) | Confirm in your quote. |
| Limits and Retentions | The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Not publicly disclosed; scope: Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed..) | Confirm in your quote. |
| Risk Services | Aon describes cyber claims advocacy and preparation and relationships with third-party incident-response providers. The retained official source notes that provider contracts are separate, no performance guarantee is made, and referral remuneration may occur; confirm the providers, scope and compensation applicable to a client. [3](https://www.aon.com/en/capabilities/cyber-resilience "Cyber Risk") (Evidence: Company-reported; scope: Company-reported brokerage and advisory services. Account-specific service terms are not stated..) | Lockton describes services beyond placement: reviewing a client's cybersecurity posture, running incident-response exercises, and helping design security governance frameworks and cyber-hygiene policies, delivered by a team it says has over 100 Associates specializing in cyber risk. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |
| How to Apply | Confirm in your quote. | The Cyber & Technology page lists a named contact (its EVP, U.S. Cyber & Technology Leader) and the email cyber@lockton.com as the way to reach the team, rather than a self-serve online quote tool. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology page as read 2026-09-23..) |

## Full Comparison

- [Aon vs Lockton](https://spot.insure/compare/aon-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Aon vs Lockton Commercial Property Insurance](https://spot.insure/compare/aon-vs-lockton/commercial-property)
- [Aon vs Lockton Crime Insurance](https://spot.insure/compare/aon-vs-lockton/crime)
- [Aon vs Lockton D&O Insurance](https://spot.insure/compare/aon-vs-lockton/directors-officers)
- [Aon vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-lockton/employment-practices)
- [Aon vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-lockton/fiduciary)
- [Aon vs Lockton General Liability Insurance](https://spot.insure/compare/aon-vs-lockton/general-liability)
- [Aon vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-lockton/workers-compensation)
- [AIG vs Aon Cyber Insurance](https://spot.insure/compare/aig-vs-aon/cyber)
- [AIG vs Lockton Cyber Insurance](https://spot.insure/compare/aig-vs-lockton/cyber)
- [Alliance Risk vs Aon Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-aon/cyber)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber)
- [Amelia Risk vs Aon Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-aon/cyber)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber)

## Sources

### Aon

1. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed.. Accessed 2026-09-29.
2. [Middle Market Clients](https://www.aon.com/en/capabilities/middle-market-clients). Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page.. Accessed 2026-09-29.
3. [Cyber Risk](https://www.aon.com/en/capabilities/cyber-resilience). Aon; Global cyber risk financing/insurance overview and brokerage practice; claims preparation and advocacy, incident response providers and referral remuneration disclosures, lines 194–230 as retained in Aon’s official source record; Professional Services Practice cyber cross-reference, lines 151–156.. Accessed 2026-09-30.

### Lockton

4. [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.
5. [Technology](https://global.lockton.com/us/en/technology). Lockton; Unique expertise in Cyber Liability; industries served (electronic hardware, information technology, internet, medical equipment, semiconductors, software, telecommunications). Accessed 2026-09-23.
6. [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.
7. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A Custom Approach; The Lockton Difference; Inform, Improve, and Insure three-step approach; team of over 100 Associates; contact cyber@lockton.com. Accessed 2026-09-23.

### Cyber Insurance Guide

8. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
9. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Aon Reviews

Review Score: 6.1 / 10 from 3 rated sources, equally weighted.

Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.

- J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com)
- BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291)
- BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aon/reviews).

## Lockton Reviews

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://spot.insure/insurance-providers/lockton/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aon-vs-lockton/cyber.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://spot.insure/llms.txt)