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

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

## Agent Guide

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

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

**Key facts:**
- Line: Cyber Insurance. Providers: Coalition 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:**
- [Coalition vs Lockton](https://spot.insure/compare/coalition-vs-lockton) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 includes Control monitoring with a designed policy; Lockton brokers cyber with an Inform, Improve, Insure process and incident-response exercises.

## Coalition vs Lockton Cyber Insurance Summary

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](https://www.coalitioninc.com/control "Coalition Control") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## 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](https://www.coalitioninc.com/control "Coalition Control") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

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. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: 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](https://global.lockton.com/us/en/technology "Technology") [5](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?")

## 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Coalition for breach-response versus main limits. [1](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance")
- Ask Lockton what the Inform and Improve work costs versus the premium. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## Coalition vs Lockton Cyber Insurance Compared

| 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. [4](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage "Where does Coalition offer cyber insurance coverage?") (Evidence: Company-reported; scope: 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. [8](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 | You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. [5](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: 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. [7](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 | Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. [1](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: 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. [7](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 | 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. [2](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: 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. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |

## About Coalition and Lockton and Cyber Insurance

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

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

## Sources for Coalition vs Lockton Cyber Insurance

### Sources About Coalition

1. [Active Cyber Insurance](https://www.coalitioninc.com/cyber-insurance). Coalition; Cyber coverage tailored to your organization’s cyber risk needs: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud recovery, business interruption; Our Claims Approach; Coalition Incident Response. Accessed 2026-09-23.
2. [Coalition Control](https://www.coalitioninc.com/control). Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.
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. [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.
5. [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.
6. [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?. Accessed 2026-09-16.

### Sources About Lockton

7. [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.
8. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/coalition-vs-lockton/cyber.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)