CFC vs 
Lockton: How Do They Compare for Cyber Insurance?
Lockton is a broker for tech sectors with a three-step approach; CFC sells its own policy with built-in monitoring and response for businesses up to $250 million.
Lockton brokers cyber after quantifying financial exposure and recommending security improvements under its Inform, Improve, Insure process. CFC sells Cyber Proactive Response with built-in security monitoring and in-house 24/7 incident response for revenues from $0 to $250 million. 6,1
What Are the Key Differences Between CFC and Lockton Cyber Insurance?
Advice Before Placement Versus Monitoring Inside the Product
Lockton brokers cyber and pairs placement with its own risk-management advice under Inform, Improve, Insure: quantifying cyber financial exposure, recommending security improvements, then placing coverage. CFC's flagship Cyber Proactive Response instead pairs the policy with built-in security monitoring, incident response and claims handling for $0 to $250 million in revenue, so those services sit on the bound product rather than as a pre-bind consulting step. Choose Lockton if you want a broker to quantify exposure and improve security before it places coverage; choose CFC if you want monitoring and CFC Response included on a named product. 6 1
Named Technology Industries Versus a Revenue Split
Lockton's technology practice names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. CFC segments by revenue rather than those industry labels. 7 1
Named Cyber Leader Versus a One-Page Application
Lockton lists a named EVP, U.S. Cyber & Technology Leader and a published cyber inbox as the way to reach the team, rather than a self-serve quote. CFC's US application is a one-page control form. 6 4
What Should You Confirm in CFC and Lockton Cyber Insurance Quotes?
- Ask Lockton which insurer would issue the policy; the pages do not name one. 6
- Ask CFC which insurer sits behind the US policy. 4
- Ask Lockton whether incident-response exercises and governance design are in the engagement. 6
- If you are in semiconductors or medical equipment, confirm CFC still has appetite. 7 1
CFC vs Lockton Cyber Insurance Compared
CFC vs Lockton: Cyber Insurance: documented features by provider
| Criteria | CFC Cyber Proactive Response | Lockton Cyber & Technology Insurance Brokerage |
|---|---|---|
| Who It’s For | CFC segments cyber eligibility by revenue: Cyber Proactive Response and Cyber (admitted) are positioned for businesses with revenues from $0 to $250 million, while Corporate cyber is for businesses at $250 million and above. 1Company-reported. Cyber product page product summaries; actual eligibility for a given applicant 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. 7Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published. |
| How to Apply | The US Cyber Proactive Response application is a one-page form asking whether multi-factor authentication is enforced for remote network access and email, whether backups are offline or MFA-secured, and whether the business had a cyber incident in the last three years. 4Company-reported. Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents. | 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. 6Company-reported. Cyber & Technology page as read 2026-09-23. |
| Role in This Line | CFC's flagship cyber product, Cyber Proactive Response, targets businesses with revenues from $0 to $250 million and pairs the policy with built-in security monitoring, incident response and claims handling rather than selling those as add-ons. 1Company-reported. Cyber insurance product page's Cyber Proactive Response summary; CFC separately sells Cyber (admitted), Corporate cyber for businesses at $250 million and up, and a Cyber excess policy. | 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. 6Company-reported. Cyber & Technology product page as read 2026-09-23. |
| Risk Services | Every CFC cyber policyholder gets CFC Response, described as an in-house incident-response service available 24/7, plus a free mobile app offering dark web monitoring, phishing simulations and external network deep scanning. 2,3Company-reported. Response page and cyber brochure; CFC characterizes its incident response team as one of the largest in-house teams in the industry, a claim not independently verified here. | 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. 6Company-reported. Cyber & Technology product page as read 2026-09-23. |
