Lockton vs RiskCube: How Do They Compare for Cyber Insurance?

Both are brokerages for tech: Lockton serves hardware, software and telecom sectors with a named contact, while RiskCube targets AI and data companies with a 10-minute intake.

Lockton brokers cyber with more than 100 associates who review security posture and run incident-response exercises. RiskCube aims cyber at AI, cloud and payments startups, describes a roughly 10-minute digital intake, and says quotes and a vendor-ready certificate often arrive within about 24 hours. ^1,³

What Are the Key Differences Between Lockton and RiskCube Cyber Insurance?

A Large Risk-Engineering Bench or a Timed Startup Intake

Lockton pairs placement with quantifying exposure, recommending security improvements and negotiating terms, delivered by more than 100 associates, and you reach the team through a named leader and a published team email. RiskCube describes a roughly 10-minute digital intake, then AI agents and licensed brokers comparing quotes, typically delivering quotes and a vendor-ready certificate within about 24 hours. Choose Lockton if you want pre-bind risk engineering; choose RiskCube if you are an AI or data startup that wants that timed digital workflow. ¹ ³

Who Each Page Invites

Lockton's technology practice names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. RiskCube targets AI and data companies, cloud and DevOps platforms, payment processors, defense startups handling CUI, and SOC 2-bound or PII/PHI-handling firms. ² ³

Affirmative AI Wording Versus Incident Exercises

RiskCube says it places programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and can layer wrap coverage when a primary form excludes AI risk. Lockton describes incident-response exercises and cyber-hygiene policies rather than published AI-incident wording. ³ ¹

What Should You Confirm in Lockton and RiskCube Cyber Insurance Quotes?

Ask Lockton which insurers it would negotiate with. ¹
Ask RiskCube which third-party carrier would issue the policy. ⁴
Ask RiskCube whether the AI wrap sits on your quote. ³
Ask Lockton whether incident-response exercises are included in the fee. ¹

Lockton vs RiskCube Cyber Insurance Compared

Lockton vs RiskCube: Cyber Insurance: documented features by provider

Criteria	Lockton Cyber & Technology Insurance Brokerage	RiskCube 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. ²Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published.	RiskCube targets cyber coverage at AI and data companies, cloud/DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies. ³Company-reported. Cyber product page "Who needs cyber insurance" section.
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. ¹Company-reported. Cyber & Technology page as read 2026-09-23.	RiskCube describes a roughly 10-minute digital intake, then its AI agents and licensed brokers comparing carrier quotes, typically delivering cyber quotes and a vendor-ready certificate of insurance within about 24 hours. ³Company-reported. Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ.
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. ¹Company-reported. Cyber & Technology product page as read 2026-09-23.	RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ³Company-reported. Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options.