At-Bay vs 
Lockton: How Do They Compare for Cyber Insurance?
Lockton is a broker that quantifies exposure then negotiates terms for tech clients; At-Bay places cyber through its producer and includes its Stance security platform, with endpoint and email monitoring sold separately.
Lockton brokers cyber under Inform, Improve, Insure, quantifying exposure and recommending security improvements before placement for hardware, IT, software and telecom clients. At-Bay includes Stance monitoring on every policy and writes primary and excess cyber for revenue up to $5 billion. 5,1
What Are the Key Differences Between At-Bay and Lockton Cyber Insurance?
Pre-Bind Security Reviews Versus Stance Inside the Policy
Lockton brokers cyber and pairs placement with Inform, Improve, Insure: quantifying cyber financial exposure, recommending security improvements, then placing coverage, for electronic hardware, IT, internet, medical equipment, semiconductors, software and telecommunications. At-Bay includes Stance on every policy rather than as a pre-bind consulting sequence, with vulnerability monitoring, vCISO advisory and tabletop exercises, and publishes appetite up to $5 billion in revenue and $10 million in limits. Choose Lockton if you want those pre-bind reviews in those industries; choose At-Bay if you want Stance attached to the policy. 5 6 1
A Named Cyber Email Versus Broker Platform or Underwriting Inbox
Lockton lists a named U.S. Cyber & Technology Leader and a published cyber inbox rather than a self-serve quote, and it does not name an issuing insurer or publish limits. At-Bay takes submissions by email to its underwriting inbox or through its Broker Platform for accounts inside the automated band, lists social engineering for all classes, and publishes a breach-coach line. 5 1 4
What Should You Confirm in At-Bay and Lockton Cyber Insurance Quotes?
At-Bay vs Lockton Cyber Insurance Compared
At-Bay vs Lockton: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | Lockton Cyber & Technology Insurance Brokerage |
|---|---|---|
| How to Apply | You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. 1Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings. | 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. 5Company-reported. Cyber & Technology page as read 2026-09-23. |
| Role in This Line | At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. 2,3Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote. | 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. 5Company-reported. Cyber & Technology product page as read 2026-09-23. |
| Risk Services | Every At-Bay cyber policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training. Managed detection and response (MDR) for endpoints or email costs extra, $16 or $25 per user per month respectively, and is sold separately by At-Bay Security, LLC. 1Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change. | 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. 5Company-reported. Cyber & Technology product page as read 2026-09-23. |
