---
title: "Lockton vs Risklytics: Cyber Insurance"
description: "Lockton brokers cyber with more than 100 associates who review security posture and run incident-response exercises, reached by a named leader and team email. Risklytics starts Cyber Liability through an online application, says there is no broker fee on top of premium, and reads whether prompt-injection or model leaks are covered before binding."
canonical: "https://spot.insure/compare/lockton-vs-risklytics/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-risklytics"
provider-a: "lockton"
provider-b: "risklytics"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of Lockton and Risklytics 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 Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Lockton vs Risklytics for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Lockton or Risklytics?
- What does Lockton or Risklytics publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Lockton and Risklytics.
- 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 Risklytics](https://spot.insure/compare/lockton-vs-risklytics) — 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
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# Lockton vs Risklytics: How Do They Compare for Cyber Insurance?

Risklytics places cyber for robotics and AI firms and notes contracts often ask for $1 million or more; Lockton serves hardware, software and telecom sectors with security reviews.

Lockton pairs placement with a 100-person risk team; Risklytics lets you apply online with no extra broker fee and reads AI wording before binding.

## Lockton vs Risklytics Cyber Insurance Summary

Lockton brokers cyber with more than 100 associates who review security posture and run incident-response exercises, reached by a named leader and team email. Risklytics starts Cyber Liability through an online application, says there is no broker fee on top of premium, and reads whether prompt-injection or model leaks are covered before binding. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## What Are the Key Differences Between Lockton and Risklytics Cyber Insurance?

### A Risk-Engineering Bench or an Online Application With No Extra Fee

Lockton pairs placement with security-posture reviews and incident-response exercises and does not describe a self-serve quote. Risklytics starts through an online application, says there is no broker fee on top of premium, and keeps a licensed producer on the file until bind. Choose Lockton if you want pre-bind risk engineering from a large specialist team; choose Risklytics if you want to apply online with no extra broker fee and an AI-wording review. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are")

### Prompt-Injection Wording Versus Incident Exercises

Risklytics says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding, and that Cyber Liability does not respond to a model giving bad output with no breach. Lockton describes running incident-response exercises and designing cyber-hygiene policies rather than that AI-wording check. [3](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### Typical Limit Ask Versus Unpublished Lockton Figures

Risklytics lists a typical enterprise-contract ask of $1 million or more. Lockton's reviewed pages do not publish cyber limits or retentions. [3](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## What Should You Confirm in Lockton and Risklytics Cyber Insurance Quotes?

- Ask Lockton which insurers it would negotiate with. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Risklytics which specialist carrier would write the policy. [3](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")
- Ask Risklytics to show the prompt-injection wording it reviewed. [3](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")
- Confirm there is no extra broker fee on the Risklytics invoice. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## Lockton vs Risklytics Cyber Insurance Compared

| Criteria | Lockton Cyber & Technology Insurance Brokerage | Risklytics Cyber Liability 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..) | Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. [3](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | You start Risklytics Cyber Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |
| 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..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| 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. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) | Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. [3](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About Lockton and Risklytics and Cyber Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Lockton vs Risklytics Cyber Insurance

- [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics): 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)
- [Risklytics Cyber Insurance](https://spot.insure/insurance-providers/risklytics/cyber)

## Sources for Lockton vs Risklytics 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 Risklytics

3. [Cyber Liability Insurance](https://www.risklytics.ai/lines/cyber/). Risklytics; Coverage line: Cyber Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
4. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
5. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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-risklytics/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)