---
title: "Insureon vs Lockton: Cyber Insurance"
description: "Buyers comparing Lockton’s advisory process with Insureon’s online request should ask how the exposure review changes the proposed coverage."
canonical: "https://spot.insure/compare/insureon-vs-lockton/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "insureon-vs-lockton"
provider-a: "insureon"
provider-b: "lockton"
coverage-line: "cyber"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/insureon-vs-lockton/cyber)

## Agent Guide

**What this page is:** Focused comparison of Insureon and Lockton for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Insureon versus Lockton. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Insureon vs Lockton for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Insureon or Lockton?
- What does Insureon or Lockton publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from Insureon or Lockton?

**Key facts:**
- Line: Cyber Insurance. Providers: Insureon and Lockton.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Insureon vs Lockton](https://spot.insure/compare/insureon-vs-lockton) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Insureon profile](https://spot.insure/insurance-providers/insureon) — provider profile (evidence)
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [Insureon vs Lockton Commercial Property Insurance](https://spot.insure/compare/insureon-vs-lockton/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Insureon vs Lockton General Liability Insurance](https://spot.insure/compare/insureon-vs-lockton/general-liability) — sibling comparison (other line, or other pair for this line)
- [Insureon vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/insureon-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Insureon Cyber Insurance](https://spot.insure/compare/aig-vs-insureon/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Cyber Insurance](https://spot.insure/compare/aig-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Insureon Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Insureon Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-insureon/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)

# Insureon vs Lockton: How Do They Compare for Cyber Insurance?

Buyers comparing Lockton’s advisory process with Insureon’s online request should ask how the exposure review changes the proposed coverage.

## Research Scope and Use

Use this comparison to evaluate Insureon and Lockton for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Buyers comparing Lockton’s advisory process with Insureon’s online request should ask how the exposure review changes the proposed coverage. [3](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## What is Insureon?

Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. [1](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [2](https://www.insureon.com/small-business-insurance/general-liability "General Liability Insurance - Get Online Quotes")

[Insureon profile](https://spot.insure/insurance-providers/insureon)

## What Is Lockton?

Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. [4](https://global.lockton.com/us/en "Lockton United States") [5](https://global.lockton.com/us/en/technology "Technology") [6](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [8](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [9](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## Key Differences in Cyber Insurance

### Cyber exposure review and risk services

Lockton’s Inform, Improve, Insure approach starts by quantifying cyber exposure, recommending security improvements, and then negotiating policy terms with insurers. Insureon describes first-party response costs and third-party liability, while noting that they may be packaged differently. Buyers comparing Lockton’s advisory process with Insureon’s online request should ask how the exposure review changes the proposed coverage. [3](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### Specialist contact and application route

Lockton describes posture reviews, incident-response exercises, and governance and cyber-hygiene work through a cyber team; it directs prospects to a named leader or email rather than a self-serve quote. Insureon offers an online quote request, but its reviewed record does not detail comparable risk services. Businesses should confirm whether Lockton’s advisory work is included and who will support an Insureon submission. [3](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## What to Confirm in Cyber Insurance Quotes

- Which first-party and third-party terms, limits, and retentions did Lockton negotiate, and what cyber services are included? [3](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Which insurer would issue Insureon’s placement, and does its quote include any posture review or incident-response preparation? [3](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## Offering Details

| Criteria | Insureon Cyber Insurance | Lockton Cyber & Technology Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Insureon markets cyber insurance and offers online quote requests for small businesses. [3](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | 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. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Not publicly disclosed; scope: Cyber & Technology page checked 2026-09-23..) |
| Who It’s For | The page identifies businesses holding sensitive information and businesses responsible for client cybersecurity as relevant audiences; carrier eligibility is not disclosed. [3](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [5](https://global.lockton.com/us/en/technology "Technology") (Evidence: Company-reported; scope: Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published..) |
| Coverage Features | The page describes first-party breach-response costs and third-party liability as distinct cyber exposures, and notes that they may be packaged differently. [3](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Confirm in your quote. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Confirm in your quote. |
| Risk Services | Confirm in your quote. | 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. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |
| How to Apply | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. [3](https://www.insureon.com/small-business-insurance/cyber-liability "Cyber Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology page as read 2026-09-23..) |

## Full Comparison

- [Insureon vs Lockton](https://spot.insure/compare/insureon-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Insureon vs Lockton Commercial Property Insurance](https://spot.insure/compare/insureon-vs-lockton/commercial-property)
- [Insureon vs Lockton General Liability Insurance](https://spot.insure/compare/insureon-vs-lockton/general-liability)
- [Insureon vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/insureon-vs-lockton/workers-compensation)
- [AIG vs Insureon Cyber Insurance](https://spot.insure/compare/aig-vs-insureon/cyber)
- [AIG vs Lockton Cyber Insurance](https://spot.insure/compare/aig-vs-lockton/cyber)
- [Alliance Risk vs Insureon Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/cyber)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber)
- [Amelia Risk vs Insureon Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-insureon/cyber)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber)

## Sources

### Insureon

1. [How Insureon Works](https://www.insureon.com/about-us/how-insureon-works). Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
2. [General Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/general-liability). Insureon; Coverage/product overview; illustrative third-party claims; quote CTA.. Accessed 2026-09-29.
3. [Cyber Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/cyber-liability). Insureon; Product definition L67-L89; coverage distinctions L90-L102; quote CTA.. Accessed 2026-09-29.

### Lockton

4. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
5. [Technology](https://global.lockton.com/us/en/technology). Lockton; Unique expertise in Cyber Liability; industries served (electronic hardware, information technology, internet, medical equipment, semiconductors, software, telecommunications). Accessed 2026-09-23.
6. [US Terms of Business](https://global.lockton.com/us/en/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.
7. [Cyber & Technology](https://global.lockton.com/us/en/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

8. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.
9. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Insureon Reviews

Review Score: 5.8 / 10 from 4 rated sources, equally weighted.

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.

- Trustpilot: TrustScore 4.5 (out of 5); 2401 reviews. Insureon's own Trustpilot profile (claimed since 2014), checked 2026-09-29. Reviews are collected by Insureon, so they are not a random sample. Period: all time; 548 in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Insureon Reviews | Trustpilot](https://www.trustpilot.com/review/www.insureon.com)
- ConsumerAffairs: Displayed listing rating 1.0 (out of 5); 344 reviews. Insureon listing on ConsumerAffairs, page updated 2026-08-14 (read in an earlier pass; the numbers were not re-confirmed on the latest check). Period: page updated 2026-08-14. Checked 2026-09-29. [Insureon Reviews (From First-hand Experiences)](https://www.consumeraffairs.com/insurance/insureon.html)
- BBB: BBB business grade A+. BBB Chicago/Northern Illinois profile for Insureon; BBB Accredited since 2025-08-29. Checked 2026-09-29. [Insureon | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675)
- BBB: Customer-review rating 1 (out of 5); 2 reviews. Two self-selected customer reviews on the BBB profile (read earlier; the 2 count was reconfirmed 2026-09-29). Period: BBB profile checked 2026-09-29. Checked 2026-09-29. [Insureon | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/customer-reviews)
- BBB: Complaints 6. BBB complaint list for Insureon; no policy-volume denominator. Period: closed in the last three years (BBB, 2026-09-29). Checked 2026-09-29. [Insureon | BBB Complaints](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/insureon/reviews).

## Lockton Reviews

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/insureon-vs-lockton/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)