---
title: "CFC vs Lockton: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-lockton/cyber"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-lockton"
provider-a: "cfc"
provider-b: "lockton"
coverage-line: "cyber"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Cyber Insurance. Providers: CFC 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 2026-09-29.

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

# 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 exposure and recommending security improvements under Inform, Improve, Insure; CFC sells Cyber Proactive Response with built-in monitoring and in-house incident response already on the policy.

## CFC vs Lockton Cyber Insurance Summary

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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

## 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

### 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](https://global.lockton.com/us/en/technology "Technology") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

### 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)")

## 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask CFC which insurer sits behind the US policy. [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)")
- Ask Lockton whether incident-response exercises and governance design are in the engagement. [6](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- If you are in semiconductors or medical equipment, confirm CFC still has appetite. [7](https://global.lockton.com/us/en/technology "Technology") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

## CFC vs Lockton Cyber Insurance Compared

| 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. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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. [7](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..) |
| 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. [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") (Evidence: Company-reported; scope: 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. [6](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 | 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. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: 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. [6](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 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](https://www.cfc.com/en-us/response/ "Incident response | CFC") [3](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf "Protecting businesses against cyber risk (cyber product brochure)") (Evidence: Company-reported; scope: 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. [6](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |

## About CFC and Lockton and Cyber Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/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 CFC vs Lockton Cyber Insurance

- [CFC vs Lockton](https://spot.insure/compare/cfc-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.
- [CFC Cyber Insurance](https://spot.insure/insurance-providers/cfc/cyber)
- [Lockton Cyber Insurance](https://spot.insure/insurance-providers/lockton/cyber)

## Sources for CFC vs Lockton Cyber Insurance

### Sources About CFC

1. [Cyber insurance | CFC](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess product summaries and Key features; FAQs: How is a cyber insurance policy structured?. Accessed 2026-09-23.
2. [Incident response | CFC](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-23.
3. [Protecting businesses against cyber risk (cyber product brochure)](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf). CFC; Market-leading cover highlights: separate limit for incident response costs, unlimited reinstatements with nil deductible, full business interruption cover; Award-winning cyber claims team stats. Accessed 2026-09-23.
4. [Cyber Proactive Response Insurance application form (US)](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf). CFC; Basic company details; Cyber security controls; Previous cyber incidents; footer entity line. Accessed 2026-09-23.
5. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc.. Accessed 2026-09-23.

### Sources About Lockton

6. [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.
7. [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 2026-09-29. 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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