---
title: "Lockton vs RiskCube Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-riskcube/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Lockton and RiskCube for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

RiskCube says it places cyber programs with affirmative coverage for agentic-AI incidents and can layer AI-specific wrap coverage on top, while Lockton's technology practice names hardware, software and telecom sectors without describing AI-specific terms. [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") [2](https://global.lockton.com/us/en/technology "Technology")

## 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](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://riskcubeai.com/ "Startup Business Insurance") [6](https://riskcubeai.com/licenses "Licenses & Disclosures") [7](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [9](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## 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](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") 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](https://global.lockton.com/us/en/technology "Technology")

### 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. [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### 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](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## 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](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups")
- Ask Lockton whether its placements can include AI-specific wording or exclusions, since its pages do not describe them. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Get the issuing insurer from both; RiskCube's disclosures name only unspecified third-party carriers, and Lockton's pages name none. [7](https://riskcubeai.com/disclosures "Disclosures & Compensation") [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask each how claims are handled after a breach; RiskCube's reviewed page does not describe a claims process for this line. [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups")

## Offering Details

| 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: 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. [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Not publicly disclosed; scope: 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: 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. [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..) | 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. [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: 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. [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections..)<br><br>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. [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: 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. [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Not publicly disclosed; scope: 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: 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. [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: 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. [8](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Not found in reviewed sources; scope: Cyber product page as read on 2026-09-23..) |

## Full Comparison

- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Lockton vs RiskCube Crime Insurance](https://spot.insure/compare/lockton-vs-riskcube/crime)
- [Lockton vs RiskCube D&O Insurance](https://spot.insure/compare/lockton-vs-riskcube/directors-officers)
- [Lockton vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-riskcube/employment-practices)
- [Lockton vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-riskcube/fiduciary)
- [Lockton vs RiskCube General Liability Insurance](https://spot.insure/compare/lockton-vs-riskcube/general-liability)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber)
- [Alliance Risk vs RiskCube Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/cyber)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber)
- [Amelia Risk vs RiskCube Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/cyber)
- [At-Bay vs Lockton Cyber Insurance](https://spot.insure/compare/at-bay-vs-lockton/cyber)
- [At-Bay vs RiskCube Cyber Insurance](https://spot.insure/compare/at-bay-vs-riskcube/cyber)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
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.
3. [US Terms of Business](https://global.lockton.com/us/en/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.
4. [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.

### RiskCube

5. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
6. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
7. [Disclosures & Compensation](https://riskcubeai.com/disclosures). 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.
8. [Cyber Insurance for Startups](https://riskcubeai.com/insurance/cyber). 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

9. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.

Updated 2026-09-23. 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.

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