---
title: "Lockton vs Marsh McLennan Agency: Cyber Insurance"
description: "Lockton pairs cyber placement with security reviews and incident exercises; Marsh McLennan Agency describes cyber-risk strategy without detailing included services."
canonical: "https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "lockton-vs-marsh-mclennan-agency"
provider-a: "lockton"
provider-b: "marsh-mclennan-agency"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of Lockton and Marsh McLennan Agency 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 Lockton versus Marsh McLennan Agency. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Cyber Insurance. Providers: Lockton and Marsh McLennan Agency.
- 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:**
- [Lockton vs Marsh McLennan Agency](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Lockton vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/general-liability) — 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)
- [AIG vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/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)
- [Alliance Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/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)
- [Amelia Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)

# Lockton vs Marsh McLennan Agency: How Do They Compare for Cyber Insurance?

Lockton pairs cyber placement with security reviews and incident exercises; Marsh McLennan Agency describes cyber-risk strategy without detailing included services.

## Research Scope and Use

Use this comparison to evaluate Lockton and Marsh McLennan Agency 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

Lockton pairs cyber placement with security reviews and incident exercises; Marsh McLennan Agency describes cyber-risk strategy without detailing included services. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [7](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA")

## 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. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

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

## What Is Marsh McLennan Agency?

Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [5](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [6](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

[Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## 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

### Coverage and Audience

Lockton describes an Inform, Improve, Insure process: quantify cyber exposure, recommend security improvements, then negotiate coverage with insurers. Marsh McLennan Agency describes cyber liability and a cyber-risk management strategy but does not explain its process. Ask Marsh McLennan Agency whether the adviser will assess financial exposure and recommend controls before approaching carriers. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [7](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA")

### Eligibility and Risk Review

Lockton lists technology clients in hardware, IT, internet, medical equipment, semiconductors, software and telecom, and says its team has over 100 cyber-risk specialists. Marsh McLennan Agency describes organizations managing cyber exposure without a sector list or team size. Technology buyers can ask Marsh McLennan Agency which specialists will handle their application and security profile. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [7](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA")

### Application and Support

Lockton says it reviews cybersecurity posture, runs incident-response exercises and helps design governance and hygiene policies; it names a cyber leader and contact email rather than a self-serve quote. Marsh McLennan Agency invites contact with an adviser. Ask whether each service is included, separately priced or provided by a policy vendor. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [7](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA")

## What to Confirm in Cyber Insurance Quotes

- Which Lockton services are part of placement and which are separate engagements? Ask Marsh McLennan Agency to name its cyber specialists, describe pre-bind risk review and identify any incident-response exercises. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [7](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA")

## Offering Details

| Criteria | Lockton Cyber & Technology Insurance Brokerage | Marsh McLennan Agency cyber (official overview) |
| --- | --- | --- |
| Role in This Line | 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) | Marsh McLennan Agency describes arranging cyber for the audience stated on the cited product page. [7](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") (Evidence: Company-reported; scope: cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Issuing Insurer | 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Not publicly disclosed; scope: Cyber & Technology page checked 2026-09-23..) | Confirm in your quote. |
| Who It’s For | 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. [2](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..) | Organizations managing cyber exposure; exact insurer, policy form, and eligibility are placement-specific. [7](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") (Evidence: Company-reported; scope: cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Coverage Features | Confirm in your quote. | The cited product page describes cyber liability and a cyber-risk management strategy as part of the executive and professional risk offering. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") (Evidence: Company-reported; scope: cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [7](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| Risk Services | 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) | Confirm in your quote. |
| How to Apply | 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology page as read 2026-09-23..) | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [7](https://www.marshmma.com/us/solutions/cyber.html "Cyber | MMA") (Evidence: Company-reported; scope: cyber marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Full Comparison

- [Lockton vs Marsh McLennan Agency](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency): 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.
- [Lockton vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/cargo-transit)
- [Lockton vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/commercial-property)
- [Lockton vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/crime)
- [Lockton vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/employment-practices)
- [Lockton vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/fiduciary)
- [Lockton vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/general-liability)
- [AIG vs Lockton Cyber Insurance](https://spot.insure/compare/aig-vs-lockton/cyber)
- [AIG vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/cyber)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber)
- [Alliance Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/cyber)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber)
- [Amelia Risk vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/cyber)

## Sources

### Lockton

1. [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.
2. [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.
3. [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.
4. [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.

### Marsh McLennan Agency

5. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29.
6. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29.
7. [Cyber | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Cyber solution overview and cyber-risk services.. Accessed 2026-09-30.

### 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.

## 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).

## Marsh McLennan Agency Reviews

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-marsh-mclennan-agency/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)