HUB International vs 
Lockton Cyber Insurance
HUB brokers cyber coverage generally; Lockton pairs placement with a named 100-plus person cyber team for specific technology industries.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 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
HUB's cyber page frames the product as relevant to any business that stores data on a network, without naming an industry focus. Lockton's technology practice instead says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. 4 6
Services Beyond Placement
HUB connects clients with cyber insurance specialists for a policy assessment, without describing additional risk-management services on its product page. Lockton instead describes 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 specializing in cyber risk.
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.
4How You Reach Each Brokerage
HUB's page routes visitors to "Connect With a Broker" without naming a specific contact. Lockton instead lists a named contact, its EVP and U.S. Cyber & Technology Leader, along with a dedicated team inbox. 4 8
What to Confirm in Cyber Insurance Quotes
- Ask both HUB and Lockton which insurer they are proposing; neither names a carrier on its cyber page. 4 8
- Get published limits from both; neither publishes them. 4 8
- Ask Lockton whether its cybersecurity-posture review and incident-response exercises are included in the placement fee or billed separately. 8
- Ask HUB for the specific coverage list it plans to place, since its page describes services generally rather than by named policy form. 4
Offering Details
HUB International vs Lockton Cyber Insurance: documented features by provider
| Criteria | HUB International Cyber Insurance Brokerage | Lockton Cyber & Technology Insurance Brokerage |
|---|---|---|
| Role in This Line | HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. 4Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer. | 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 insurance page does not name an issuing insurer; HUB places cyber coverage with carriers that vary by client and placement. 4Not found in reviewed sources. Checked the cyber insurance product page on 2026-09-23; no carrier is disclosed there. | 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 | HUB frames cyber insurance as relevant to any business that stores data on a network, without publishing a narrower eligibility list by size or industry on this page. 4Company-reported. Product-page framing; not a published 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 | HUB lists cyber coverage it arranges as privacy attorney services, IT forensic investigation, state breach-notification compliance costs, credit monitoring for affected individuals, crisis PR engagement, regulatory fines and class-action defense from a data breach. 4Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. HUB cites statistics that data-privacy attacks occur roughly every 40 seconds in the U.S., that 85% of data-breach insurance claims come from small to midsize businesses, and that two-thirds of breaches are tied to third-party IT vendors, to explain why it recommends cyber coverage. 4Company-reported. Product-page statistics are company-cited industry figures, not independently verified by Spot and not HUB-specific claims data. | Not described in the reviewed sources. |
| Limits and Retentions | Published policy limits or retentions for HUB-placed cyber coverage were not found on the product page; the page instead argues that response costs following a breach can reach the six figures to counter a perception that cyber insurance is unnecessary. 4Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23; limits are set on the quote and declarations. | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | 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 | HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. 4Company-reported. Product-page call to action as read 2026-09-23. | 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 HUB International vs Lockton Comparisons
Other Cyber Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Cyber Insurance. HUB International; Cybersecurity insurance definition; coverage list: privacy attorney services, IT forensic investigation, state notification compliance, credit monitoring, crisis PR, regulatory fines, class action lawsuits; breach-frequency and small-business-claims statistics; five-myths section; Connect With a Broker. 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.
