What Is biBerk Insurance?
biBerk focuses on small businesses and describes a direct online path to answer business questions, choose coverage and pay, with an insurance expert available to help. Before you plan around online checkout, confirm that your state and the insurance you need are supported; biBerk says availability depends on both. 1,2
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. 4,5,6
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. 8,9
Key Differences in Cyber Insurance
Lockton’s Advisory Process Does Not Establish Coverage Terms
Lockton describes quantifying cyber exposure, recommending security changes and negotiating terms with insurers. biBerk describes cyber only as an add-on on its product page. Those sources support a service-model difference, but do not establish matched insured costs on both sides. biBerk says its cyber/data-breach protection is an add-on to GL, professional liability or a BOP, rather than a standalone product on that page. The biBerk description also makes the base policy material: affected-person identity-restoration and monitoring services are BOP-only. 3 7
Evidence Hold: Second Matched Coverage Dimension
The current Lockton source describes the point above but does not establish a second matched cyber exposure that can be compared with biBerk’s published response-expense or defense/liability claims. Do not treat a broad event list, service, example limit or missing detail as equivalent coverage. Lockton’s quote must identify the policy form, trigger and covered costs; biBerk’s quote must identify the eligible GL or BOP attachment and its terms. 3 7
What to Confirm in Cyber Insurance Quotes
biBerk and Lockton Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
biBerk Review Score
Review Score
3 rated sources
Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.[4][1]
Read biBerk reviewsLockton Review Score
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsbiBerk vs Lockton Cyber Insurance Compared
biBerk vs Lockton: Cyber Insurance: documented features by provider
| Criteria | biBerk Cyber Insurance Add-on | Lockton Cyber & Technology Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your 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. 7Company-reported. Cyber & Technology product page as read 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | 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. 7Not publicly disclosed. Cyber & Technology page checked 2026-09-23. |
| Who It’s For | Confirm in your quote. | 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. 5Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published. |
| Coverage Features | biBerk sells cyber/data-breach protection as an add-on to GL, Professional Liability or BOP, rather than presenting it as a stand-alone product on this page. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business cyber endorsement. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk says first-party cyber response expenses may be covered with the GL or BOP cyber add-on; affected-person services such as identity restoration and monitoring are available only with the BOP add-on. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: first-party data-breach expenses. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; service and expense availability depends on selected base policy, limits, jurisdiction and issued terms. biBerk describes third-party cyber defense and liability costs for covered data events. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: third-party cyber liability. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | Confirm in your quote. |
| Limits and Retentions | biBerk publishes an example base cyber package with $50,000 response expense and $50,000 defense liability limits. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: base add-on example limits. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | Confirm in your quote. |
| Risk Services | Confirm in your quote. | 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. 7Company-reported. 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. 7Company-reported. Cyber & Technology page as read 2026-09-23. |
Related Pages for biBerk vs Lockton Cyber Insurance
Cyber Insurance Pages for biBerk and Lockton
Other Coverage Lines Compared for biBerk vs Lockton
Other Cyber Insurance Provider Comparisons
Sources for biBerk vs Lockton Cyber Insurance
Sources About biBerk
- Small Business Insurance From biBerk | Get A Quote Online. biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
- About biBerk | Making Small Business Insurance Simple. biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
- Cyber Insurance & Data Breach Coverage for Business | biBerk. biBerk; Cyber add-on coverage, costs and claims. Accessed 2026-09-28.
Sources About Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Unique expertise in Cyber Liability; industries served (electronic hardware, information technology, internet, medical equipment, semiconductors, software, telecommunications). Accessed 2026-09-23.
- US 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.
- 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.
Sources for the Cyber Insurance Guide
- 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.
- CyberEdge specimen policy. 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.
