---
title: "Lockton vs Marsh: Cyber Insurance"
description: "Lockton brokers cyber under an Inform, Improve, Insure process, with more than 100 associates who review security posture and run incident-response exercises. Marsh's Cyber ECHO excess facility can provide over $200 million of capacity per client, with reinstatements for separate events, plus global claims specialists."
canonical: "https://spot.insure/compare/lockton-vs-marsh/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-marsh"
provider-a: "lockton"
provider-b: "marsh"
coverage-line: "cyber"
---

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

## Agent Guide

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

**Questions this page answers:**
- Lockton vs Marsh for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Lockton or Marsh?
- What does Lockton or Marsh publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Lockton and Marsh.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile

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

Both are brokers: Marsh offers excess capacity above $200 million and global claims specialists, while Lockton focuses on tech sectors with a three-step exposure, improvement and placement approach.

Lockton pairs cyber placement with a 100-person risk-engineering team; Marsh can arrange more than $200 million of excess capacity and a claims-advocacy bench.

## Lockton vs Marsh Cyber Insurance Summary

Lockton brokers cyber under an Inform, Improve, Insure process, with more than 100 associates who review security posture and run incident-response exercises. Marsh's Cyber ECHO excess facility can provide over $200 million of capacity per client, with reinstatements for separate events, plus global claims specialists. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [4](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")

## What Are the Key Differences Between Lockton and Marsh Cyber Insurance?

### Pre-Bind Risk Engineering or Very Large Excess Capacity

Lockton quantifies cyber financial exposure, recommends security improvements, then negotiates terms, with more than 100 associates who review posture, run incident-response exercises and help design governance frameworks. Marsh says Cyber ECHO can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate events. Choose Lockton if you want security-posture work and incident exercises before the policy; choose Marsh if you need very large excess limits and claims advocacy. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [4](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")

### Claims Advocacy Versus Incident Exercises

Marsh's global claims specialists review cyber claims, support litigation management and work with forensic accountants on proof of loss. Lockton describes pre-placement security-posture reviews and incident-response exercises rather than a comparable forensic-accountant claims bench. [5](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### Industry Lists Versus Data-Exposure Framing

Lockton's technology practice names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. MMA says any company can benefit but prioritizes organizations with large customer databases or valuable digital assets, without that sector list. [2](https://global.lockton.com/us/en/technology "Technology") [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA")

## What Should You Confirm in Lockton and Marsh Cyber Insurance Quotes?

- Ask Lockton which insurer partners it would negotiate with. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Marsh which insurer would sit on your primary layer. [3](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance")
- Ask whether Cyber ECHO applies at your account size. [4](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")
- Ask Lockton whether incident-response exercises are included in the fee. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## Lockton vs Marsh Cyber Insurance Compared

| Criteria | Lockton Cyber & Technology Insurance Brokerage | Marsh Cyber Insurance Brokerage |
| --- | --- | --- |
| 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..) | MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally..) |
| 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. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology page as read 2026-09-23..) | You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. [3](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders..) |
| 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. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) | Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. [3](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") (Evidence: Company-reported; scope: Marsh corporate cyber insurance product page..)<br><br>Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. [6](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions page..) |

## About Lockton and Marsh and Cyber Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Lockton vs Marsh Cyber Insurance

- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh): 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 Cyber Insurance](https://spot.insure/insurance-providers/lockton/cyber)
- [Marsh Cyber Insurance](https://spot.insure/insurance-providers/marsh/cyber)

## Sources for Lockton vs Marsh Cyber Insurance

### Sources About Lockton

1. [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.
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.

### Sources About Marsh

3. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort, Cyber ECHO; Rachel Lavender, US and Canada Cyber Brokerage Leader. Accessed 2026-09-23.
4. [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html). Marsh; New for 2026: over $200 million capacity; free first reinstatement and paid second reinstatement; one underwriting lead and two claims leads per panel; Lloyd's, company markets or Bermuda-based insurers. Accessed 2026-09-23.
5. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Global claims specialists negotiating cyber coverage issues; proof of loss with forensic accountants. Accessed 2026-09-23.
6. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Benefits of Cyber: understand, mitigate, respond, recover; Cyber Coverage list (incident investigation and response, network interruption, extortion/ransomware, data restoration, security and privacy liability, additional coverages); FAQ: Who needs cyber insurance coverage?. Accessed 2026-09-23.

Updated 2026-09-25. 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.

## Agent and Developer Resources

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