--- title: "Lockton vs RiskCube: Cyber Insurance" description: "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." canonical: "https://spot.insure/compare/lockton-vs-riskcube/cyber" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "lockton-vs-riskcube" provider-a: "lockton" provider-b: "riskcube" coverage-line: "cyber" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/lockton-vs-riskcube/cyber) ## Agent Guide **What this page is:** Focused comparison of Lockton and RiskCube 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 RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Lockton vs RiskCube for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, Lockton or RiskCube? - What does Lockton or RiskCube publish about Cyber Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Cyber Insurance. Providers: Lockton and RiskCube. - 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 RiskCube](https://spot.insure/compare/lockton-vs-riskcube) — 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 - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile # 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 pairs placement with a 100-person risk team for named technology sectors; RiskCube targets AI startups and says quotes often arrive within about 24 hours. ## Lockton vs RiskCube Cyber Insurance Summary 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [3](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") ## 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [3](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") ### 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](https://global.lockton.com/us/en/technology "Technology") [3](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") ### 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](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") ## What Should You Confirm in Lockton and RiskCube Cyber Insurance Quotes? - Ask Lockton which insurers it would negotiate with. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") - Ask RiskCube which third-party carrier would issue the policy. [4](https://riskcubeai.com/disclosures "Disclosures & Compensation") - Ask RiskCube whether the AI wrap sits on your quote. [3](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") - Ask Lockton whether incident-response exercises are included in the fee. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") ## Lockton vs RiskCube Cyber Insurance Compared | 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. [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. [3](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](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. [3](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..) | | 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..) | RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [3](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..) | ## About Lockton and RiskCube and Cyber Insurance - [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews) - [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews) - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber) ## Related Pages for Lockton vs RiskCube Cyber Insurance - [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 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) - [RiskCube Cyber Insurance](https://spot.insure/insurance-providers/riskcube/cyber) ## Sources for Lockton vs RiskCube 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 RiskCube 3. [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. 4. [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. 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-riskcube/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)