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

Lockton says its cyber practice reviews security posture, runs incident-response exercises, and advises on governance and cyber hygiene. Foxquilt’s product summary describes breach and ransomware exposures; buyers should ask what advisory services, if any, are part of the specific placement. ^3,^7,⁵

What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. ^1,²

Read the Foxquilt profile

Read the Foxquilt Cyber Insurance page

What Is Lockton?

Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. ^4,^5,⁶

Read the Lockton profile

Read the Lockton Cyber Insurance page

What Is Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. ^8,⁹

Read the full coverage guide

Key Differences in Cyber Insurance

Risk-Advisory Services

Lockton’s cyber practice describes reviewing security posture, running incident exercises, and advising on governance and cyber hygiene as part of brokerage. Foxquilt’s product summary identifies breach and ransomware exposures, while Lockton’s cited cyber practice also describes advisory services. A buyer choosing an advisor-led risk review should ask Lockton how the review informs placement; a Foxquilt applicant should verify whether any prevention support accompanies the quoted insurance. ⁷ ³

Technology-Sector Audience and Contact Route

Lockton targets technology and related industries and gives buyers a named cyber contact, while Foxquilt’s overview addresses businesses generally without publishing a full appetite list. This makes the operational fit worth checking early, especially for specialized technology risks; neither public description settles eligibility for a specific business. ⁵ ⁷ ³

What to Confirm in Cyber Insurance Quotes

Ask Lockton what its security review and incident exercise include for your operation; ask Foxquilt whether its proposed placement includes any prevention or advisory service and what event costs are insured. ⁷ ³

Foxquilt and Lockton Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Foxquilt Review Score

8.9/ 10

Review Score

3 rated sources

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.^[12]^[5]^[6]

Read Foxquilt reviews

Lockton Review Score

8.4/ 10

Review Score

3 rated sources

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.^[2]^[6]^[7]^[8]

Read Lockton reviews

Foxquilt vs Lockton Cyber Insurance Compared

Foxquilt vs Lockton: Cyber Insurance: documented features by provider

Criteria	Foxquilt Cyber Insurance	Lockton Cyber & Technology Insurance Brokerage
Role in This Line	Foxquilt markets a Cyber Insurance product for businesses. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	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.
Issuing Insurer	Confirm in your quote.	Lockton says it has built alliances with cybersecurity firms and insurer partners, but the reviewed pages do not name specific cyber insurers or which carrier would issue a given client's policy. ⁷Not publicly disclosed. Cyber & Technology page checked 2026-09-23.
Who It’s For	The page discusses businesses exposed to cyber events and sensitive information; it does not publish a full appetite or industry eligibility list. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	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. ⁵Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published.
Coverage Features	Its product summary describes cyber-event exposures such as data breaches and ransomware; it does not identify the insured costs or policy triggers for a particular quote. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	Confirm in your quote.
Limits and Retentions	The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ³Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.	Confirm in your quote.
Risk Services	Confirm in your quote.	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.
How to Apply	The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. ³Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.	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.

Related Pages for Foxquilt vs Lockton Cyber Insurance

Cyber Insurance Pages for Foxquilt and Lockton

Other Coverage Lines Compared for Foxquilt vs Lockton

Other Cyber Insurance Provider Comparisons

Sources for Foxquilt vs Lockton Cyber Insurance

Sources About Foxquilt

Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
Cyber Business Insurance. Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.

Sources About Lockton

Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
Technology. Lockton; Unique expertise in Cyber Liability; industries served (electronic hardware, information technology, internet, medical equipment, semiconductors, software, telecommunications). Accessed 2026-09-23.
US 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.
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.

Sources for the Cyber Insurance Guide

Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.