Lockton vs 
Relm Insurance Cyber Insurance
Lockton advises named technology-industry clients directly, while Relm writes broker-facing content aimed at specialty and emerging-risk placements.
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 Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 5,6
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 8
Key Differences in Cyber Insurance
Who Each Page Is Written For
Lockton's cyber pages are written directly for the client, describing its own Inform, Improve, Insure process and naming a contact to reach for a placement. 4 Relm sells cyber through brokers and frames eligibility around businesses in sectors with "untested legal terrain and lagging regulation" rather than addressing an end buyer directly. 7
Coverage Description
Relm distinguishes first-party cyber coverage, for the insured's own losses, from third-party cyber liability, which it says typically covers legal fees, settlements and regulatory penalties from claims against the client.
Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. 7Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section.
Lockton's reviewed pages describe cyber coverage in terms of the advisory work around it — quantifying financial exposure, negotiating terms — rather than breaking out first-party and third-party categories the way Relm's page does. 4
Services Beyond the Policy
Lockton names specific services its team performs beyond placement: reviewing a client's cybersecurity posture, running incident-response exercises, and designing cyber-hygiene governance frameworks. 4 Relm's page focuses on describing the coverage categories a broker would place — network security breaches, privacy breaches, extortion, digital crime — without describing comparable services delivered directly to policyholders. 7
What to Confirm in Cyber Insurance Quotes
- Ask Relm's broker whether the placement covers first-party costs, third-party liability, or both, since the page distinguishes the two. 7
- Ask Lockton whether its named technology-sector focus fits your business or if it places cyber for other industries too. 2
- Get the issuing insurer from both; neither reviewed page names a carrier. 4 7
- Confirm published limits, retentions and pricing directly, since neither page discloses them. 7
Offering Details
Lockton vs Relm Insurance Cyber Insurance: documented features by provider
| Criteria | Lockton Cyber & Technology Insurance Brokerage | Relm Cyber Insurance |
|---|---|---|
| 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. | Relm markets cyber liability insurance as a distinct line on the same page as its Technology Errors and Omissions product, explicitly noting the two are related but not the same coverage. 7Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers general cyber liability, distinct from Relm's separate generative-ai-liability offering record covering its NOVAAI, PONTAAI and RESCAAI AI-specific products. |
| 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 does not name a specific issuing insurer for cyber placements. 7Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| 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. | Relm says a business is exposed to cyber risk if it relies on digital infrastructure, and frames the coverage around sectors with 'untested legal terrain and lagging regulation.' 7Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company. |
| Coverage Features | Not described in the reviewed sources. | Relm says cyber coverage addresses network security breaches, privacy breaches and extortion threats, including data breach response costs (notification, credit monitoring, PR), forensic investigation and legal defense, ransom payments and business interruption losses, data and asset recovery, and digital crime such as funds transfer fraud and invoice manipulation. 7Company-reported. Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control. Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. 7Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section. |
| 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. | Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 7Company-reported. Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model. |
Full Comparison
More Lockton vs Relm 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.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Cyber and Technology Errors and Omissions. Relm Insurance; What is Cyber Insurance?; First-Party Vs. Third-Party Cyber Liability Insurance; Who Needs Cyber and Tech E&O Insurance? 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.
