Lockton vs 
Pie Insurance Cyber Insurance
Lockton's cyber team assesses risk before placement, while Pie routes small businesses directly to a quote for cyber alongside its other small-business lines.
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. 1,2,3
What Is Pie Insurance?
Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. 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
Sector Specialists Versus a Small-Business Catalogue
Lockton's technology practice names the sectors its cyber clients come from — electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. 2 Pie instead markets cyber insurance to small businesses generally, cross-selling it alongside workers' compensation, commercial auto and BOP insurance rather than describing a technology specialty.
Pie markets cyber insurance to small businesses generally, cross-selling it alongside workers' compensation, commercial auto, and BOP insurance on other small-business product pages. 8Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.
Advisory Services Versus a Quote Flow
Lockton describes pre-placement work — reviewing a client's cybersecurity posture, running incident-response exercises, and helping design governance frameworks — delivered by a team it says has over 100 Associates. 4 Pie's page describes coverage scenarios (identity theft, cyber extortion, financial protection against lawsuits) and directs visitors to start a quote, without describing comparable advisory or risk-management services. 8
What to Confirm in Cyber Insurance Quotes
- Ask Lockton whether its technology-sector focus extends to your industry if you are not in one of its named sectors. 2
- Ask Pie which carrier partners underwrite its cyber product, since the page names only "our insurance carrier partners" generally. 8
- Confirm whether first-party and third-party cyber coverage are both included in Pie's quote or must be selected separately. 8
- Get published limits and retentions from both; neither page discloses them. 4 8
Offering Details
Lockton vs Pie Insurance Cyber Insurance: documented features by provider
| Criteria | Lockton Cyber & Technology Insurance Brokerage | Pie Cyber Insurance for Small Businesses |
|---|---|---|
| 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. 4Company-reported. Cyber & Technology product page as read 2026-09-23. | Pie says it helps small businesses get the best cyber coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. 8Company-reported. Cyber Insurance product page as read on 2026-09-23. |
| 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. 4Not publicly disclosed. Cyber & Technology page checked 2026-09-23. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's cyber product. 8Not publicly disclosed. Cyber Insurance product page as read on 2026-09-23. |
| 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. 2Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published. | Pie markets cyber insurance to small businesses generally, cross-selling it alongside workers' compensation, commercial auto, and BOP insurance on other small-business product pages. 8Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published. |
| Coverage Features | Not described in the reviewed sources. | Pie describes its cyber policies as varying by business need, with first-party coverage for expenses when a business's own data is stolen or network hacked, and third-party coverage to help if the business is sued over a cybercrime affecting others. 8Company-reported. Cyber Insurance product page as read on 2026-09-23; the issued policy controls the specific insuring agreements and exclusions. Pie lists identity theft (for an employee or customer's stolen identity), cyber extortion (help regaining private information after an extortion event), and financial protection against related lawsuits as scenarios its cyber coverage responds to. 8Company-reported. Cyber Insurance product page as read on 2026-09-23. |
| 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. 4Company-reported. Cyber & Technology product page as read 2026-09-23. | Not described in the reviewed sources. |
| 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. 4Company-reported. Cyber & Technology page as read 2026-09-23. | Pie directs cyber buyers to contact the company to start a quote through its website. 8Company-reported. Cyber Insurance product page as read on 2026-09-23. |
Full Comparison
More Lockton vs Pie Insurance Comparisons
Other Cyber Insurance Comparisons
Sources
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.
Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
- Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
- Cyber Insurance for Small Businesses. Pie Insurance; What's typically covered by cyber insurance? First party coverage, Third party coverage; How does cyber insurance protect small businesses? Identity theft, Cyber extortion, Financial protection; Make sure you're covered: Start my quote. 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.
