Heffernan Insurance Brokers vs 
Lockton Cyber Insurance
Lockton names a 100-plus-person cyber team focused on named tech industries; Heffernan's cyber risk team serves a broader industry list.
What Is Heffernan Insurance Brokers?
Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. 1,2,3
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 5,6,7
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 9
Key Differences in Cyber Insurance
Industry Focus
Heffernan names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations generally. 4 Lockton instead names a narrower, technology-adjacent list:
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. 6Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published.
Scope of Services
Lockton describes services beyond placement: reviewing a client's cybersecurity posture, running incident-response exercises, and helping design security governance frameworks, delivered by a team it says has over 100 Associates. 8 Heffernan describes a narrower pre-bind service: its cyber risk team determines exposure, shops the market, presents options and guides coverage selection. 4
How You Reach Each Brokerage
Lockton's cyber page lists a named contact, its EVP and U.S. Cyber & Technology Leader, along with a dedicated email address. 8 Heffernan's FAQ instead describes a general process, assessing data types and security measures, then working with the broker to compare quotes, without naming a specific contact. 4
What to Confirm in Cyber Insurance Quotes
- Ask Lockton whether its formal three-step Inform, Improve, Insure process and 100-plus-person team apply to your industry, or only the named technology sectors. 8
- Ask Heffernan which specific carrier its cyber risk team would place your policy with. 4
- Neither company names an issuing insurer on the reviewed pages; ask Lockton the same question. 8
- Ask Heffernan for a specific premium quote, since its page only gives a general market range. 4
Offering Details
Heffernan Insurance Brokers vs Lockton Cyber Insurance: documented features by provider
| Criteria | Heffernan Cyber Security Insurance Brokerage | Lockton Cyber & Technology Insurance Brokerage |
|---|---|---|
| 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. 4Company-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. 8Company-reported. Cyber & Technology product page as read 2026-09-23. |
| Issuing Insurer | The cyber page does not name the insurer that would issue a cyber policy arranged through Heffernan. 4Not publicly disclosed. Checked the Cyber Security Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations. | 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. 8Not publicly disclosed. Cyber & Technology page checked 2026-09-23. |
| 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. 4Company-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. 6Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published. |
| Coverage Features | Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. 4Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected. | Not described in the reviewed sources. |
| Limits and Retentions | The cyber page does not publish specific limits or retentions for a Heffernan-arranged cyber policy; its FAQ gives only a general premium range of a few hundred to several thousand dollars annually across the market. 4Not publicly disclosed. Checked the Cyber Security Insurance page on 2026-09-23. | Not described in the reviewed sources. |
| 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. 4Company-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. 8Company-reported. Cyber & Technology product page as read 2026-09-23. |
| 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. 4Company-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. 8Company-reported. Cyber & Technology page as read 2026-09-23. |
Full Comparison
More Heffernan Insurance Brokers vs Lockton Comparisons
Other Cyber Insurance Comparisons
Sources
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
- Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
- Cyber Security Insurance. Heffernan Insurance Brokers; Make Cyber Liability Insurance Part of Your Cyber Risk Management Plan: cyber risk team determines exposure, shops the market, presents options and guides coverage selection; incident-response access; Frequently Asked Questions on what cyber insurance covers, who needs it, cost and how to get it. Accessed 2026-09-23.
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.
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.
