---
title: "Beazley vs Lockton Cyber Insurance"
description: "Lockton brokers cyber under an Inform, Improve, Insure process; Beazley sells Full Spectrum Cyber for accounts under $35 million in revenue."
canonical: "https://spot.insure/compare/beazley-vs-lockton/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Beazley vs Lockton Cyber Insurance

Lockton brokers cyber under an Inform, Improve, Insure process; Beazley sells Full Spectrum Cyber for accounts under $35 million in revenue.

## Research Scope and Use

Use this comparison to evaluate Beazley 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

Lockton brokers cyber and pairs placement with risk-management advice under a three-step Inform, Improve, Insure approach. Beazley sells Full Spectrum Cyber to accounts with under $35 million in annual revenue and limits up to $5 million, quoted by brokers on myBeazley. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [8](https://global.lockton.com/us/en "Lockton United States") [9](https://global.lockton.com/us/en/technology "Technology") [10](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 a business respond to cyber incidents and address covered liability claims arising from them. [12](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Broker Process Versus a Named Small-Business Product

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.

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. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..)

Beazley sells Full Spectrum Cyber, built around Beazley Breach Response plus integrated risk-management services, for accounts with under $35 million in annual revenue and coverage limits up to $5 million. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

### Industry Lists Versus a Revenue Cap

Lockton's technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Beazley's Full Spectrum Cyber eligibility is stated as a revenue threshold under $35 million, not as a named industry list. [9](https://global.lockton.com/us/en/technology "Technology") [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

### Services and How You Reach Each Team

Lockton describes reviewing a client's cybersecurity posture, running incident-response exercises, and helping design security governance, and lists a named EVP contact and a published email address rather than an online bind tool. Full Spectrum Cyber policyholders get discounted access to vendor services including anti-phishing tools, email security and cyber risk analysis, and brokers can quote and bind qualifying small accounts through myBeazley. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

## What to Confirm in Cyber Insurance Quotes

- Ask Lockton which insurers it would negotiate with; its pages do not name specific cyber carriers. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Beazley which entity issues the Full Spectrum Cyber policy. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")
- Ask Lockton what Inform/Improve work would happen before Insure. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Beazley whether the quote is Full Spectrum Cyber or MediaTech. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")

## Offering Details

| Criteria | Beazley Full Spectrum Cyber for Small Businesses | Lockton Cyber & Technology Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately..) | 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. [11](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 Full Spectrum Cyber page does not name an issuing insurer. Beazley's Digital MediaTech Application, which bundles a cyber insuring agreement, names Beazley Insurance Company, Inc. on its cover page, but the actual issuing entity for a stand-alone cyber quote is not established by the reviewed pages. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Not found in reviewed sources; scope: Full Spectrum Cyber product page and MediaTech application form, both checked on 2026-09-23; not a regulator record..) | 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. [11](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 | Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting..) | 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. [9](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 | The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording..) | Not described in the reviewed sources. |
| Limits and Retentions | In the sample MediaTech form, unless the declarations list a separate amount, the cyber-related insuring agreements share the same Policy Aggregate Limit of Liability with the policy's technology, professional and media coverages rather than carrying a dedicated cyber-only limit. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations, and may differ for a stand-alone Full Spectrum Cyber policy..) | Not described in the reviewed sources. |
| Risk Services | Full Spectrum Cyber policyholders get discounted access to vendor services, including anti-phishing tools and training, email security services, cyber risk analysis and other pre-breach prevention services, through Beazley's partnership with its in-house Beazley Security unit. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page..) | 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. [11](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 | Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal..) | 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. [11](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology page as read 2026-09-23..) |
| Claims Support | Beazley describes its Beazley Breach Response service as mobilizing a coordinated response after a cyber incident, including forensics specialists, legal counsel, notification services and call centers, credit monitoring and public-relations support. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Full Spectrum Cyber product page Beazley Breach Response Services section; service quality and turnaround are Beazley's own description and not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs Lockton](https://spot.insure/compare/beazley-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Beazley vs Lockton Commercial Property Insurance](https://spot.insure/compare/beazley-vs-lockton/commercial-property)
- [Beazley vs Lockton Crime Insurance](https://spot.insure/compare/beazley-vs-lockton/crime)
- [Beazley vs Lockton D&O Insurance](https://spot.insure/compare/beazley-vs-lockton/directors-officers)
- [Beazley vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/employment-practices)
- [Beazley vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/fiduciary)
- [Beazley vs Lockton General Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/general-liability)
- [Beazley vs Lockton Product Liability Insurance](https://spot.insure/compare/beazley-vs-lockton/product-liability)
- [Beazley vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-lockton/representations-warranties)
- [Alliance Risk vs Beazley Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/cyber)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber)
- [Amelia Risk vs Beazley Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/cyber)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber)
- [At-Bay vs Beazley Cyber Insurance](https://spot.insure/compare/at-bay-vs-beazley/cyber)
- [At-Bay vs Lockton Cyber Insurance](https://spot.insure/compare/at-bay-vs-lockton/cyber)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer: Cyber coverage includes; SME placement paragraph. Accessed 2026-09-23.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer: Beazley Breach Response, integrated cyber risk management services, Beazley Security partnership; Beazley Breach Response Services; Vendor Services; Eligibility and myBeazley platform paragraph. Accessed 2026-09-23.
6. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; Breach Response, Regulatory Defense & Penalties, Payment Card Liabilities & Costs, First Party Data & Network Loss and eCrime insuring agreements; Definitions: Breach Response Costs, Cyber Extortion Loss, Security Breach; Limit of Liability and Coverage. Accessed 2026-09-23.
7. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, Beazley Insurance Company, Inc.; pages 3-4 Ransomware Controls (MFA, VPN, patching, backups, security awareness training). Accessed 2026-09-23.

### Lockton

8. [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.
9. [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.
10. [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.
11. [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

12. [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.

Updated 2026-09-23. 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.

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