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

Lockton is a broker for tech sectors with 100-plus cyber specialists; Gallagher Small Business arranges cyber for small firms handling customer data and card payments.

Lockton pairs cyber placement with exposure analysis and security recommendations, and its technology practice names semiconductors, software and telecommunications. Gallagher arranges cyber for small businesses that handle customer data or card payments and adds eRiskHub only for larger accounts. ^3,^4,¹

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

Inform, Improve, Insure Versus Small-Business Card Data

Lockton brokers cyber under Inform, Improve, Insure: quantify financial exposure, recommend security improvements, then negotiate terms with insurers. You reach that team through a named EVP and a published cyber email. Gallagher Small Business arranges cyber for shops that handle customer data or card payments, naming retail, healthcare, financial services and home-repair. Choose Lockton if you want exposure analysis before anyone shops a market, especially in hardware or telecom; choose Gallagher if you are a card-data small business on its named list. ³ ¹

Semiconductors Versus Home Repair

Lockton's technology practice names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Gallagher's small-business list does not. Home-repair sits on Gallagher's page, not Lockton's. ⁴ ¹

A Hundred Associates Versus eRiskHub

Lockton describes more than 100 associates reviewing cybersecurity posture, running incident-response exercises and helping design governance frameworks. Gallagher's group practice gives larger clients eRiskHub and forensic accountants; the small-business page does not describe that bench. ³ ²

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

Ask Lockton which insurer it would negotiate with. ³
Ask Gallagher which desk would handle you. ²
Ask Lockton what Inform and Improve work would precede placement. ³

Gallagher vs Lockton Cyber Insurance Compared

Gallagher vs Lockton: Cyber Insurance: documented features by provider

Criteria	Gallagher Cyber Liability Insurance	Lockton Cyber & Technology Insurance Brokerage
Who It’s For	Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. ¹Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance 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. ⁴Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published.
Role in This Line	Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability 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. ³Company-reported. Cyber & Technology product page as read 2026-09-23.
Risk Services	For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. ²Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product.	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. ³Company-reported. Cyber & Technology product page as read 2026-09-23.