---
title: "Lockton vs Relm Insurance: Cyber Insurance"
description: "Lockton brokers cyber with more than 100 associates who review security posture and run incident-response exercises. Relm distributes cyber through insurance brokers, distinguishes first-party losses from third-party liability, and lists digital crime such as funds-transfer fraud and invoice manipulation."
canonical: "https://spot.insure/compare/lockton-vs-relm/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-relm"
provider-a: "lockton"
provider-b: "relm"
coverage-line: "cyber"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Cyber Insurance. Providers: Lockton and Relm Insurance.
- 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 Relm Insurance](https://spot.insure/compare/lockton-vs-relm) — 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
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

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

Relm Insurance sells cyber through brokers next to its tech E&O line; Lockton is a broker serving hardware, software and telecom sectors, with a named contact.

Lockton pairs placement with a 100-person risk team; Relm sells cyber through brokers and spells out first-party versus third-party grants, including digital crime.

## Lockton vs Relm Insurance Cyber Insurance Summary

Lockton brokers cyber with more than 100 associates who review security posture and run incident-response exercises. Relm distributes cyber through insurance brokers, distinguishes first-party losses from third-party liability, and lists digital crime such as funds-transfer fraud and invoice manipulation. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

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

### Risk Engineering or Broker-Sold First- and Third-Party Grants

Lockton pairs placement with quantifying exposure, recommending security improvements and negotiating terms, delivered by more than 100 associates. Relm sells cyber through insurance brokers, distinguishes first-party losses from third-party legal fees, settlements and regulatory penalties, and lists digital crime such as funds-transfer fraud and invoice manipulation. Choose Lockton if you want pre-bind risk engineering and incident exercises; choose Relm if you already work with a broker and want first-party versus third-party grants, including digital crime, spelled out. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

### Named Tech Sectors Versus Digital-Infrastructure Framing

Lockton's technology practice names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Relm says a business is exposed if it relies on digital infrastructure, and frames the coverage around sectors with untested legal terrain and lagging regulation. [2](https://global.lockton.com/us/en/technology "Technology") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

### How You Access Each Offering

Lockton lists a named U.S. Cyber and Technology leader and a published team email. Relm sells through insurance brokers and does not describe a direct online quote, marketing cyber on the same page as technology E&O while noting they are related but not the same. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

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

- Ask Lockton which insurers it would negotiate with. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Relm's broker which carrier would issue the policy. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Ask whether funds-transfer fraud and invoice manipulation sit on the Relm form. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Ask Lockton whether incident-response exercises are included in the fee. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## Lockton vs Relm Insurance Cyber Insurance Compared

| Criteria | Lockton Cyber & Technology Insurance Brokerage | Relm Cyber Insurance |
| --- | --- | --- |
| 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..) | 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.' [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company..) |
| 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..) | Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model..) |
| 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..) | 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. [3](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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..) |

## About Lockton and Relm Insurance and Cyber Insurance

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

## Related Pages for Lockton vs Relm Insurance Cyber Insurance

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

## Sources for Lockton vs Relm Insurance 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 Relm Insurance

3. [Cyber and Technology Errors and Omissions](https://relminsurance.com/lines-of-business/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.

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-relm/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)