Lockton vs 
RiskCube Cyber Insurance
RiskCube layers affirmative AI-incident coverage onto cyber placements for AI companies, while Lockton's team advises named hardware and software sectors without describing AI-specific wording.
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 RiskCube Insurance?
RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. 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
Target Buyer
RiskCube targets AI and data companies, cloud and DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies. 8 Lockton's technology practice instead names established hardware and infrastructure sectors — electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications — as its core cyber clients. 2
AI-Specific Coverage Language
RiskCube says it places cyber programs with affirmative coverage for agentic-AI incidents and training-data or model-security issues, layering AI-specific wrap coverage on top when a primary cyber or Tech E&O policy excludes AI risk.
RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. 8Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" section.
Lockton's reviewed pages describe cyber coverage in general terms — quantifying exposure, negotiating terms, designing governance frameworks — without naming AI-specific exclusions or endorsements. 4
How You Apply
RiskCube describes a roughly 10-minute digital intake handled by its AI agents and licensed brokers, typically delivering quotes and a vendor-ready certificate of insurance within about 24 hours. 8 Lockton's cyber page instead lists a named contact for the placement rather than a timed self-serve process, consistent with its advisor-led model. 4
What to Confirm in Cyber Insurance Quotes
- If your business uses agentic AI or trains models, ask RiskCube exactly which AI incidents the affirmative coverage responds to and what the wrap coverage adds. 8
- Ask Lockton whether its placements can include AI-specific wording or exclusions, since its pages do not describe them. 4
- Get the issuing insurer from both; RiskCube's disclosures name only unspecified third-party carriers, and Lockton's pages name none. 7 4
- Ask each how claims are handled after a breach; RiskCube's reviewed page does not describe a claims process for this line. 8
Offering Details
Lockton vs RiskCube Cyber Insurance: documented features by provider
| Criteria | Lockton Cyber & Technology Insurance Brokerage | RiskCube 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. | RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 8Company-reported. Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options. |
| 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. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including cyber, are underwritten and issued by third-party carriers it does not name; the cyber page itself does not identify an issuing insurer. 7,8Company-reported. Company-wide entity and licensing disclosure and the cyber 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. | 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. 8Company-reported. Cyber product page "Who needs cyber insurance" section. |
| Coverage Features | Not described in the reviewed sources. | RiskCube describes cyber coverage as combining first-party costs such as breach response, ransomware negotiation, forensics and data or asset recovery, with third-party liability for claims by customers, regulators, vendors or partners. 8Company-reported. Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections. RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. 8Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" section. |
| Limits and Retentions | Not described in the reviewed sources. | RiskCube says needed cyber limits depend on enterprise contract requirements, customer data exposure and revenue, but does not publish specific limit or retention amounts on the product page. 8Not publicly disclosed. Cyber product page "How much cyber insurance do startups usually purchase" FAQ. |
| 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. | 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. 8Company-reported. Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ. |
| Claims Support | Not described in the reviewed sources. | The reviewed cyber page does not describe claims handling or a dedicated claims team for this line. 8Not found in reviewed sources. Cyber product page as read on 2026-09-23. |
Full Comparison
More Lockton vs RiskCube 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.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
- Cyber Insurance for Startups. RiskCube; Who needs cyber insurance; What is Cyber Liability Insurance; What's covered; "Cyber coverage built for AI and agentic companies"; Common Exclusions; FAQs; application steps. 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.
