--- title: "Coalition vs Lockton" description: "Compare Coalition’s technology policy and response services with Lockton’s contract review and claims advocacy." canonical: "https://spot.insure/compare/coalition-vs-lockton" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Coalition", "Lockton"] --- [Human-readable page](https://spot.insure/compare/coalition-vs-lockton) # Coalition vs Lockton Compare Coalition’s technology policy and response services with Lockton’s contract review and claims advocacy. ## Research Scope and Use Use this comparison to evaluate Coalition and Lockton against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Coalition distributes combined Tech E&O and cyber with security and incident-response services. Lockton is a risk, benefits and retirement broker whose technology practice describes contract review, international program design and claims advocacy. The comparison separates policy selection from the advisor’s work before and after a loss. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [9](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") [20](https://global.lockton.com/us/en/technology "Technology") [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ## Introduction A technology company entering larger customer contracts may need someone to review insurance requirements and later explain a loss across several policies. Lockton’s technology practice markets contract review, international program design and claims advocacy. Coalition offers combined technology E&O and cyber through brokers, with incident support. These services can occupy different positions in the same buying process rather than competing for one identical job. [20](https://global.lockton.com/us/en/technology "Technology") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [9](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") ## Documented Provider Strengths ### Coalition - Combines Tech E&O and cyber coverage for technology businesses. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) - Control provides policyholders with monitoring, alerts and remediation guidance. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) ### Lockton - Lockton describes itself as a privately held independent broker for risk, employee benefits and retirement, not as the insurer on the policies it places. [19](https://global.lockton.com/us/en "Lockton United States") [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [38](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.) - US pages list brokerage for cyber and privacy, directors and officers, casualty (including general and product liability, auto, cargo, umbrella and workers’ compensation), property, fiduciary liability and employee benefits. [20](https://global.lockton.com/us/en/technology "Technology") [21](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [22](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [24](https://global.lockton.com/us/en/products-services/property "Property Insurance") [25](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [26](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [27](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Coalition | Lockton | | --- | --- | --- | | Cargo and transit | Not listed | Listed [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | Commercial auto | Not listed | Listed [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | Commercial property | Not listed | Listed [24](https://global.lockton.com/us/en/products-services/property "Property Insurance") | | Crime | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Cyber liability | Listed [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") | Listed [21](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [20](https://global.lockton.com/us/en/technology "Technology") | | Directors and officers | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [22](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [20](https://global.lockton.com/us/en/technology "Technology") | | Employee health and benefits | Not listed | Listed [26](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") | | Employment practices liability | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Fiduciary liability | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [27](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") | | General liability | Not listed | Listed [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | Key person | Not listed | Listed [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Media liability | Listed [18](https://www.coalitioninc.com/ai-coverage "Coalition AI Coverage") | Not listed | | Product liability | Not listed | Listed [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | Professional liability / E&O | Listed [6](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") | Listed [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Representations and warranties | Not listed | Listed [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Surety bonds | Not listed | Listed [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | | Technology errors and omissions | Listed [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") | Not listed | | Umbrella and excess liability | Listed [14](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?") | Listed [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | | Workers’ compensation | Not listed | Listed [25](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [23](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Coalition and Lockton ### Define the Advisor’s Assignment Separately from the Policy Lockton’s direct technology materials emphasize cyber and D&O, while other practice pages list a broader range of placements. The reviewed public documentation does not establish a standalone Tech E&O offering from a direct product page. That is a documentation limit, not evidence that Lockton cannot place it. Ask the team explicitly to include technology professional liability in its assignment and identify the markets it would approach. Coalition’s Tech E&O route provides a more specific documented product inquiry, including review of services and contracts. [20](https://global.lockton.com/us/en/technology "Technology") [28](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") [12](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") ### Incident Work and Claims Advocacy Address Different Needs Coalition describes triage and recovery efforts through its claims experience. Lockton describes mapping losses to policies, preparing claim presentations and dealing with insurers and adjusters. A company could need both technical response and help presenting a disputed claim. Confirm the engagement and notification responsibilities; neither description proves that an insurer will accept the claim or that using a broker changes policy conditions. [9](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") [29](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") ### An Advisor’s Engagement Does Not Bind the Insurance Lockton says it is not obligated to use any particular insurer, is generally not authorized to bind insurers except in circumstances it says it will try to disclose, and does not guarantee placement on acceptable terms. Cyber pages refer to insurer partners without naming them. The workers’ compensation page claims access to more than 100 regional, global and program markets without listing those markets. Surplus-lines insurers may appear in a proposal when admitted markets cannot meet requested terms. Named issuing companies for a buyer’s policies were not disclosed on the reviewed pages. [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [21](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [25](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.; verified: 2026-09-16.) Lockton’s terms also allow commissions, negotiated fees and other compensation, and describe commissions as generally earned at inception. Coalition discloses commissions and incentives for its producers. For a growing company considering an advisor change, request both the new service agreement and the economics of replacing or cancelling a placement. A broad service proposal should not be mistaken for evidence that coverage has started. [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") ## What to Confirm in Quotes Ask who reviews customer contracts, who negotiates wording and who confirms binding in writing. Request an explicit Tech E&O placement scope, the proposed California producer and insurer, and the claims-advocacy work included in the fee or commission. For Coalition, confirm the incident contact and broker’s notification duties; for Lockton, specify responsibility when several policies or intermediaries are involved. The company-issued California license disclosure still needs independent checking. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [9](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [39](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") ## Service Comparison Coalition vs Lockton: documented services and availability. | Criteria | Coalition | Lockton | | --- | --- | --- | | Business role | Coalition combines commercial insurance offerings with cyber risk-management services. In the United States, Coalition Insurance Solutions, Inc. (CIS) is the disclosed insurance producer and surplus lines broker; the issuing insurer is responsible for policy obligations. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Coalition lists CIS’s California producer and surplus lines license as 0L76155. This is a company disclosure; current license status has not been independently checked with the California regulator. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Coalition’s legal page identifies Coalition Incident Response, Inc., doing business as Coalition Security, or independent third parties as security-service providers. Coalition Security does not provide insurance. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | Lockton’s US site describes the firm as an independent insurance brokerage that arranges customized risk, employee benefits and retirement solutions. US Terms of Business treat Lockton Companies, LLC and affiliated Lockton companies as intermediaries that market, place and service insurance, not as the risk-bearing insurer on a placed policy. [19](https://global.lockton.com/us/en "Lockton United States") [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [38](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)

Public US terms name Lockton Companies, LLC (and Series, subsidiaries and affiliates) as the brokerage group and Lockton, Inc. as the website operator. Certificates produced by Lockton also use the California DBA Lockton Insurance Brokers, LLC. Confirm the legal name on any broker-of-record or services agreement; these pages do not by themselves establish which entity would be appointed for a California company. [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [32](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [39](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.)

Lockton-produced certificates print California license number 0F15767 for Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC. Current license status, classes and expiration remain independently unverified. Treat California producer authority as unresolved until a regulator record or the proposed engagement papers are checked. [39](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [40](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; verified: 2026-09-16.) | | Application process | Coalition directs buyers to an appointed insurance broker and offers help finding access if their broker does not offer Coalition. It describes underwriting that considers industry, finances, operations and security posture. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Coalition’s broker instructions describe adding Tech E&O during the cyber quote process, supplying a product or service description and answering contract-related questions. Some quotes require review before a price is released. [12](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | Public US application starts as an inquiry: the US contact form (Ask an Expert) and industry pages invite buyers to connect with a team. The privacy notice refers to soliciting an insurance policy quote. The Cyber & Technology page publishes cyber@lockton.com. Reviewed pages do not describe a self-serve bind flow, published quote turnaround, or an unauthenticated online application that issues a policy without a Lockton representative. [30](https://global.lockton.com/us/en/contact-us "Contact Us") [19](https://global.lockton.com/us/en "Lockton United States") [33](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [21](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [32](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; verified: 2026-09-16.) | | Access to insurers | Coalition identifies Coalition Insurance Company (NAIC 29530) for admitted cyber and describes CIS as acting for unaffiliated insurers on non-admitted placements. The reviewed sources do not assign a single insurer to every California Tech E&O quote; confirm the named carrier on the quote and policy. [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | Lockton says it is not obligated to use any particular insurer, is generally not authorized to bind insurers except in circumstances it says it will try to disclose, and does not guarantee placement on acceptable terms. Cyber pages refer to insurer partners without naming them. The workers’ compensation page claims access to more than 100 regional, global and program markets without listing those markets. Surplus-lines insurers may appear in a proposal when admitted markets cannot meet requested terms. Named issuing companies for a buyer’s policies were not disclosed on the reviewed pages. [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [21](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [25](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") (Evidence: Not publicly disclosed; scope: US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.; verified: 2026-09-16.) | | Fees and compensation | Coalition says independent producers typically receive commissions based on premium for new and renewed policies. Contingent commissions, placement incentives and compensation for certain cybersecurity sales may also apply. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Coalition says it retains part of earned premiums to fund operations and broker commissions and receives additional carrier payments based on the portfolio’s annual loss ratio. [16](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money "How does Coalition make money?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

The reviewed compensation disclosures do not state the commission percentage, broker fee or total premium for a particular startup quote. Obtain an itemized cost and compensation explanation from the placing broker. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [16](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money "How does Coalition make money?") (Evidence: Not publicly disclosed; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | US Terms of Business say Lockton may be paid insurer commissions (a percentage of premium), negotiated client fees in lieu of or in addition to commissions, additional compensation such as contingent or supplemental commissions, insurer service fees (including for some managing-general-agency or analytics work), compensation involving affiliate Lockton Re, LLC on reinsurance placements, and interest or premium-finance related income. Commissions are described as fully earned at inception unless law or insurer contracts say otherwise. The terms tell clients to ask their Lockton representative for account-specific compensation. No public fee schedule, commission percentages or typical startup pricing appears on the reviewed pages. [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; verified: 2026-09-16.) | | Claims assistance | Coalition describes in-house cyber claims triage and assistance attempting to recover stolen funds. Its Tech E&O page says the same claims team manages cyber and Tech E&O claims. These service descriptions do not establish response quality or payment of a particular loss. [9](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | Lockton describes claims advocacy as a service, not as the insurer paying claims. Technology, D&O and fiduciary pages say a Professional & Executive Risk Claims team, including insurance and claims counsel, is integrated with the broking team and that claims advocacy is not treated as a profit center. Loss-prevention pages describe claims consulting: investigations, mapping facts to policies, preparing presentations, and discussions with insurer lawyers and loss adjusters. Workers’ compensation pages mention claims service advocates. Terms of Business include claims handling and claims processing among Lockton’s intermediary services and state Lockton is not responsible for an insurer’s solvency or willingness to pay. These descriptions do not establish claims outcomes or handling quality. [20](https://global.lockton.com/us/en/technology "Technology") [22](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [27](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [29](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [25](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [31](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; verified: 2026-09-16.) | ## Related Reading - [What Is Coalition Insurance?](https://spot.insure/insurance-providers/coalition) - [What Is Lockton?](https://spot.insure/insurance-providers/lockton) ## Related Comparisons - [Alliance Risk vs Coalition](https://spot.insure/compare/alliance-risk-vs-coalition) - [Alliance Risk vs Lockton](https://spot.insure/compare/alliance-risk-vs-lockton) - [Amelia Risk vs Coalition](https://spot.insure/compare/amelia-risk-vs-coalition) - [Amelia Risk vs Lockton](https://spot.insure/compare/amelia-risk-vs-lockton) - [Armilla vs Coalition](https://spot.insure/compare/armilla-vs-coalition) - [Armilla vs Lockton](https://spot.insure/compare/armilla-vs-lockton) - [At-Bay vs Coalition](https://spot.insure/compare/at-bay-vs-coalition) - [At-Bay vs Lockton Insurance](https://spot.insure/compare/at-bay-vs-lockton) - [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition) - [Beazley vs Lockton](https://spot.insure/compare/beazley-vs-lockton) - [CFC vs Coalition](https://spot.insure/compare/cfc-vs-coalition) - [CFC vs Lockton](https://spot.insure/compare/cfc-vs-lockton) - [Chubb vs Coalition](https://spot.insure/compare/chubb-vs-coalition) - [Chubb vs Lockton](https://spot.insure/compare/chubb-vs-lockton) - [Coalition vs Corgi](https://spot.insure/compare/coalition-vs-corgi) - [Coalition vs Coterie Insurance](https://spot.insure/compare/coalition-vs-coterie) - [Coalition vs Coverdash](https://spot.insure/compare/coalition-vs-coverdash) - [Coalition vs Cowbell](https://spot.insure/compare/coalition-vs-cowbell) - [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker) - [Coalition vs Founder Shield](https://spot.insure/compare/coalition-vs-foundershield) - [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher) - [Coalition vs Harper](https://spot.insure/compare/coalition-vs-harper) - [Coalition vs Heffernan Insurance Brokers](https://spot.insure/compare/coalition-vs-heffernan) - [Coalition vs Hiscox](https://spot.insure/compare/coalition-vs-hiscox) - [Coalition vs HUB International](https://spot.insure/compare/coalition-vs-hub-international) - [Coalition vs Kinro](https://spot.insure/compare/coalition-vs-kinro) - [Coalition vs Layr](https://spot.insure/compare/coalition-vs-layr) - [Coalition vs Marsh](https://spot.insure/compare/coalition-vs-marsh) - [Coalition vs Mylo](https://spot.insure/compare/coalition-vs-mylo) - [Coalition vs Newfront](https://spot.insure/compare/coalition-vs-newfront) - [Coalition vs ERGO NEXT Insurance](https://spot.insure/compare/coalition-vs-next-insurance) - [Coalition vs Pie Insurance](https://spot.insure/compare/coalition-vs-pie-insurance) - [Coalition vs Relm Insurance](https://spot.insure/compare/coalition-vs-relm) - [Coalition vs Resilience](https://spot.insure/compare/coalition-vs-resilience) - [Coalition vs RiskCube](https://spot.insure/compare/coalition-vs-riskcube) - [Coalition vs Risklytics Insurance](https://spot.insure/compare/coalition-vs-risklytics) - [Coalition vs StartupInsurance.ai](https://spot.insure/compare/coalition-vs-startupinsurance) - [Coalition vs TechInsurance](https://spot.insure/compare/coalition-vs-techinsurance) - [Coalition vs The Hartford](https://spot.insure/compare/coalition-vs-the-hartford) - [Coalition vs Travelers Insurance](https://spot.insure/compare/coalition-vs-travelers) - [Coalition vs USI Insurance Services](https://spot.insure/compare/coalition-vs-usi) - [Coalition vs Vouch](https://spot.insure/compare/coalition-vs-vouch) - [Coalition vs WithCoverage](https://spot.insure/compare/coalition-vs-withcoverage) - [Corgi vs Lockton](https://spot.insure/compare/corgi-vs-lockton) - [Coterie vs Lockton](https://spot.insure/compare/coterie-vs-lockton) - [Coverdash vs Lockton](https://spot.insure/compare/coverdash-vs-lockton) - [Cowbell vs Lockton](https://spot.insure/compare/cowbell-vs-lockton) - [Embroker vs Lockton](https://spot.insure/compare/embroker-vs-lockton) - [Founder Shield vs Lockton](https://spot.insure/compare/foundershield-vs-lockton) - [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton) - [Harper vs Lockton](https://spot.insure/compare/harper-vs-lockton) - [Heffernan vs Lockton](https://spot.insure/compare/heffernan-vs-lockton) - [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton) - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) - [Kinro vs Lockton](https://spot.insure/compare/kinro-vs-lockton) - [Layr vs Lockton](https://spot.insure/compare/layr-vs-lockton) - [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh) - [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo) - [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront) - [Lockton vs ERGO NEXT](https://spot.insure/compare/lockton-vs-next-insurance) - [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance) - [Lockton vs Relm](https://spot.insure/compare/lockton-vs-relm) - [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience) - [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube) - [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics) - [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance) - [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance) - [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford) - [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers) - [Lockton vs USI](https://spot.insure/compare/lockton-vs-usi) - [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch) - [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage) ## Sources ### [Coalition Official Website](https://www.coalitioninc.com/) 1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage?; Coalition Advantage. Accessed 2026-09-16. 2. [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses). Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16. 3. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16. 4. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16. 5. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering; FAQ: What type of businesses do you protect?; What resources do you have for policyholders?. Accessed 2026-09-16. 6. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability?; MPL Advantage; Broker Benefits. Accessed 2026-09-16. 7. [Active Cyber Insurance](https://www.coalitioninc.com/cyber-insurance). Coalition; Coverage Advantage: breach response, cyber extortion, business interruption. Accessed 2026-09-16. 8. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16. 9. [Cyber Insurance Claims Experience](https://www.coalitioninc.com/claims-experience). Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16. 10. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage). Coalition; United States. Accessed 2026-09-16. 11. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16. 12. [How to add Tech E&O coverage to a Coalition quote](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote). Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16. 13. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16. 14. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage). Coalition; What excess products does Coalition offer, and in what regions?; submissions; claims. Accessed 2026-09-16. 15. [How do Cyber renewals work at Coalition?](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition). Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16. 16. [How does Coalition make money?](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money). Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16. 17. [Active Cyber Insurance for Enterprises](https://www.coalitioninc.com/enterprise). Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16. 18. [Coalition AI Coverage](https://www.coalitioninc.com/ai-coverage). Coalition; Coverage in Action; Deepfake Response; final disclaimers. Accessed 2026-09-16. ### [Lockton Official Website](https://global.lockton.com/us/en) 19. [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. 20. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16. 21. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16. 22. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16. 23. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers compensation; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team. Accessed 2026-09-16. 24. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery; no centralized broking centers claim. Accessed 2026-09-16. 25. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16. 26. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16. 27. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16. 28. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities list including D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person, and benefits design. Accessed 2026-09-16. 29. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16. 30. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16. 31. [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. 32. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16. 33. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16. 34. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16. 35. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16. 36. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16. 37. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16. 38. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16. 39. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16. 40. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry landing page; interactive lookup not completed with a returned license detail record in this research pass. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/coalition-vs-lockton.md) - [Developer resources](https://spot.insure/developers) - [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)