Lockton vs Resilience: How Do They Compare for Business Insurance?

You work with Lockton as a broker for risk, benefits and retirement programs; it arranges and services policies but is not the risk-bearing insurer. ^1,13,20Company-reportedCompany-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.

Confirm the legal producer on your California broker agreement: Lockton’s terms name Lockton Companies, LLC and affiliates, its site operator is Lockton, Inc., and certificates use Lockton Insurance Brokers, LLC as a California DBA. ^13,14,21Company-reportedCompany legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.

Verify Lockton’s current California producer authority before appointing it: certificates list license 0F15767 for Lockton Companies, LLC dba Lockton Insurance Brokers, LLC, but status, classes and expiration were not independently checked. ^21,22Not found in reviewed sourcesCompany-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.

Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services for businesses. ^23,25,26Company-reportedBrand-level offering; not a statement that the brand is the risk-bearing insurer.

Confirm who will place the policy in California: Resilience names Ocrea Risk Services, LLC dba Resilience Cyber Insurance Solutions and NPN 19169260 as US distributor, but this disclosure is not independent license verification. ²⁴Company-reportedUS distribution entity; regulator license lookup not completed.

Technology and private-equity buyers can ask about cyber, D&O, contract review and international programs; Lockton also lists casualty, property, fiduciary, benefits, E&O, crime, EPL, surety, key-person and transaction products. Actual forms, limits and eligibility require a quote. ^{2,3,4,5,6,7,8,9,10}Company-reportedDirect US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.

Businesses can ask Resilience about primary or excess cyber limits up to $20 million, including privacy and eCrime; confirm the eCrime sublimit (advertised up to $500,000) and conditions in the quote. ²⁵Company-reportedMarketing description, not reviewed policy wording. eCrime is a component, not evidence of standalone crime insurance.

Software, hardware and technology-services businesses can consider Resilience Tech E&O, which advertises $10 million limits on US primary and excess placements. ²⁶Company-reportedTechnology-specific professional liability; not general professional E&O or a guarantee of offered limits.

You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. ^12,1,15,3,14Company-reportedUS contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.

Brokers can access Resilience through its broker page and businesses can submit an inquiry; no end-to-end self-serve purchase or binding-time guarantee was described. ^27,29Company-reportedObserved public broker/contact route; no application submitted or portal accessed.

Ask which insurer will issue your policy because Lockton does not promise a particular carrier or acceptable terms; its pages mention 100+ workers’ compensation markets without naming them and do not identify insurers for your policy. ^13,3,7Not publicly disclosedUS Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.

Ask which insurer will issue your California policy: Resilience names Homeland Insurance Company of New York or Delaware but not which one applies to a specific quote. ²⁴Company-reportedCompany-reported US insurer disclosure; no binder or California policy form reviewed.

Lockton says its integrated claims team helps investigate, map facts to coverage and negotiate with insurers, but Lockton does not pay claims; service descriptions do not establish claim outcomes or quality. ^{2,4,9,11,7,13}Company-reportedCompany-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.

Resilience says an in-house team and claims manager are available 24/7 through settlement, with privacy, forensic, recovery and crisis specialists; these service claims are not independently measured. ²⁸Company-reportedClaims operating model; no response-time, acceptance-rate or recovery performance claim adopted.