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

Lockton is a broker for tech sectors that quantifies exposure first; Hiscox sells cyber directly online to small businesses and customizes cover for IT consultants.

Hiscox offers a standalone small-business cyber policy you can quote online. Lockton brokers cyber under an Inform, Improve, Insure process, with more than 100 associates who review security posture and run incident-response exercises. ^1,⁵

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

Self-Serve Quote Versus Risk Engineering

Hiscox lets eligible buyers quote standalone cyber online. Lockton pairs placement with advice: quantifying cyber financial exposure, recommending security improvements, then negotiating terms. Choose Hiscox if you want to buy a small-business cyber policy online; choose Lockton if you want security-posture work and incident-response exercises before the policy. ¹ ⁵

Technology Sectors Lockton Names

Lockton's technology practice names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Hiscox markets cyber to small businesses broadly and to IT and technology consultants specifically, without that hardware-and-semiconductor list. ⁶ ¹ ²

How You Reach Each Team

Lockton lists a named U.S. Cyber and Technology leader and a published team email rather than a self-serve tool. Hiscox offers an online quote plus a licensed-agent phone line if you get stuck during the application. ⁵ ¹

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

Confirm Hiscox's issuing company for your state. ⁴
Ask Lockton which insurers it would negotiate with. ⁵
Ask Lockton whether incident-response exercises are included in the fee. ⁵
Get Hiscox limits in writing; the product page does not publish them. ¹

Hiscox vs Lockton Cyber Insurance Compared

Hiscox vs Lockton: Cyber Insurance: documented features by provider

Criteria	Hiscox Cyber Security Insurance	Lockton Cyber & Technology Insurance Brokerage
Who It’s For	Hiscox markets cyber insurance to small businesses broadly and specifically to IT and technology consultants, describing itself as customizing coverage for the technology sector's data-handling and security exposures. ^1,²Company-reported. Company-stated audience across the standalone cyber page and the IT-insurance page.	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.
How to Apply	Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. ¹Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual 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. ⁵Company-reported. Cyber & Technology page as read 2026-09-23.
Role in This Line	Hiscox Inc. sells cyber insurance directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on. ¹Company-reported. Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different 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. ⁵Company-reported. Cyber & Technology product page as read 2026-09-23.