Heffernan Insurance Brokers vs 
Lockton: How Do They Compare for Cyber Insurance?
Both are brokers: Lockton uses a three-step approach for tech sectors, while Heffernan Insurance Brokers serves healthcare, finance, retail and tech and starts with an exposure assessment.
Lockton brokers cyber under an Inform, Improve, Insure process, with more than 100 associates who review security posture and run incident-response exercises. Heffernan's cyber risk team shops the market and presents options, without describing that same pre-bind risk-engineering bench. 2,1
What Are the Key Differences Between Heffernan Insurance Brokers and Lockton Cyber Insurance?
Risk Engineering Beside Placement
Lockton pairs placement with its own risk-management advice: quantifying cyber financial exposure, recommending security improvements, then negotiating terms, delivered by a team it says has over 100 associates. Heffernan's cyber risk team determines exposure, shops the market and guides coverage selection, and says a policy can open incident-response experts after a claim. Choose Lockton if you want security-posture work and incident-response exercises before the policy; choose Heffernan if you want a broker to shop carriers after an exposure review. 2 1
Technology Sectors Versus a Broader List
Lockton's technology practice names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Heffernan names healthcare, finance, retail and technology and says it works with small businesses through large corporations. 3 1
How You Reach the Team
Lockton lists a named U.S. Cyber and Technology leader and a published team email rather than a self-serve quote. Heffernan's FAQ describes assessing data types and cybersecurity measures, then working with a broker to compare quotes from multiple providers. 2 1
What Should You Confirm in Heffernan Insurance Brokers and Lockton Cyber Insurance Quotes?
- Ask both which insurer would issue your policy. 2 1
- Ask Lockton whether incident-response exercises and governance design are included in the fee or billed separately. 2
- Ask Heffernan for a specific premium rather than the market range on its FAQ. 1
- Confirm whether Lockton's technology-sector focus still fits if you are outside hardware, software or telecom. 3
Heffernan Insurance Brokers vs Lockton Cyber Insurance Compared
Heffernan Insurance Brokers vs Lockton: Cyber Insurance: documented features by provider
| Criteria | Heffernan Cyber Security Insurance Brokerage | Lockton Cyber & Technology Insurance Brokerage |
|---|---|---|
| Who It’s For | Heffernan says cyber insurance is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations. 1Company-reported. Cyber Security Insurance page's FAQ answer on who needs cyber insurance; this is general educational content on Heffernan's own page rather than a stated underwriting appetite. | 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. 3Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published. |
| How to Apply | Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. 1Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer. | 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. 2Company-reported. Cyber & Technology page as read 2026-09-23. |
| Role in This Line | Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. 1Company-reported. Cyber Security Insurance page's description of the cyber risk team. | 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. 2Company-reported. Cyber & Technology product page as read 2026-09-23. |
| Risk Services | Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. 1Company-reported. Cyber Security Insurance page's services description. | 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. 2Company-reported. Cyber & Technology product page as read 2026-09-23. |
