---
title: "At-Bay vs Lockton: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-lockton/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-lockton"
provider-a: "at-bay"
provider-b: "lockton"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of At-Bay 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 At-Bay versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs Lockton for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, At-Bay or Lockton?
- What does At-Bay or Lockton publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: At-Bay and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [At-Bay vs Lockton](https://spot.insure/compare/at-bay-vs-lockton) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 pairs cyber placement with Inform, Improve, Insure security reviews for hardware, software and telecom clients; At-Bay includes Stance on the policy itself and publishes appetite up to $5 billion in revenue.

## At-Bay vs Lockton Cyber Insurance Summary

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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [6](https://global.lockton.com/us/en/technology "Technology") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [4](https://www.at-bay.com/claims/ "Claims Handling")

## What Should You Confirm in At-Bay and Lockton Cyber Insurance Quotes?

- Ask Lockton which insurer it will place and which Inform, Improve, Insure steps are in the engagement. [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask At-Bay which appetite band and Stance tier apply. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")
- Get Lockton's proposed limit in writing; At-Bay's $10 million figure is a published ceiling. [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## At-Bay vs Lockton Cyber Insurance Compared

| 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/licenses/ "Licenses") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: 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. [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |

## About At-Bay and Lockton and Cyber Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for At-Bay vs Lockton Cyber Insurance

- [At-Bay vs Lockton](https://spot.insure/compare/at-bay-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.
- [At-Bay Cyber Insurance](https://spot.insure/insurance-providers/at-bay/cyber)
- [Lockton Cyber Insurance](https://spot.insure/insurance-providers/lockton/cyber)

## Sources for At-Bay vs Lockton Cyber Insurance

### Sources About At-Bay

1. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
2. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
3. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
4. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Sources About Lockton

5. [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.
6. [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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/at-bay-vs-lockton/cyber.md)
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- [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)