Coalition vs Lockton: How Do They Compare for Cyber Insurance?

Lockton is a broker for tech sectors with a three-step approach; Coalition designs its own cyber policy, with monitoring and an affiliated incident response firm.

Coalition designs Active Cyber Insurance and includes Control monitoring. Lockton brokers cyber with its own advice under an Inform, Improve, Insure process: quantify exposure, recommend security improvements, then place coverage. ^2,⁷

What Are the Key Differences Between Coalition and Lockton Cyber Insurance?

Included Platform Versus a Three-Step Broker Method

Coalition pairs its designed policy with Control monitoring at no extra cost. Lockton brokers cyber and pairs placement with advice: quantify financial exposure, recommend security improvements, then insure, including incident-response exercises and governance help from a dedicated team. You are comparing a carrier-style product bundle with a consulting-led brokerage. Choose Coalition if you want monitoring included with a designed form; choose Lockton if you want a broker to run exposure work and exercises before placement. ² ⁷

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.

Who They Aim At

Lockton's technology practice highlights electronic hardware, IT, internet, medical equipment, semiconductors, software, and telecommunications. Coalition sells through appointed brokers without that industry list on the qualification page. If you are not in Lockton's technology set, ask whether its cyber team still takes the account. ⁸ ⁵

What Should You Confirm in Coalition and Lockton Cyber Insurance Quotes?

Ask Lockton which insurer would issue the policy; the pages do not name one. ⁷
Ask Coalition for breach-response versus main limits. ¹
Ask Lockton what the Inform and Improve work costs versus the premium. ⁷

Coalition vs Lockton Cyber Insurance Compared

Coalition vs Lockton: Cyber Insurance: documented features by provider

Criteria	Coalition Active Cyber Insurance	Lockton Cyber & Technology Insurance Brokerage
Who It’s For	Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ⁴Company-reported. Availability help article; eligibility for a particular business 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. ⁸Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published.
How to Apply	You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ⁵Company-reported. Qualification help article; restates the verified provider fact broker-application.	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.
Role in This Line	Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ¹Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page.	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.
Risk Services	Policyholders get Coalition Control at no additional cost, including attack-surface monitoring, vendor risk monitoring, zero-day alerts and Login Security for Microsoft or Google accounts. ²Company-reported. Coalition Control policyholder features 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. ⁷Company-reported. Cyber & Technology product page as read 2026-09-23.