---
title: "Lockton vs TechInsurance Cyber Insurance"
description: "TechInsurance publishes a median monthly cost for cyber liability, while Lockton's cyber pages describe advisory services without pricing."
canonical: "https://spot.insure/compare/lockton-vs-techinsurance/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Lockton vs TechInsurance Cyber Insurance

TechInsurance publishes a median monthly cost for cyber liability, while Lockton's cyber pages describe advisory services without pricing.

## Research Scope and Use

Use this comparison to evaluate Lockton and TechInsurance 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

TechInsurance reports a median cost of $129 a month for its cyber liability policyholders, while Lockton's cyber pages describe security-posture reviews and negotiation services without publishing a price. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [4](https://global.lockton.com/us/en/cyber-technology "Cyber & 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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

### Self-Service Pricing Versus Advisor-Led Placement

TechInsurance publishes a median cost figure for cyber liability policyholders: $129 a month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits.

TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..)

Lockton's cyber pages do not publish pricing; instead they describe a named contact and a three-step Inform, Improve, Insure process that includes quantifying exposure before negotiating terms with insurers. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### What Each Page Says Is Excluded

TechInsurance lists specific exclusions for its cyber liability product: professional negligence claims unrelated to a breach, physical damage to electronic devices, and data loss from physical hardware damage, pointing buyers to errors and omissions or a BOP for those gaps. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") Lockton's reviewed pages do not itemize policy exclusions; they describe the advisory and negotiation work Lockton performs rather than a specific coverage form. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### Services Around the Policy

Lockton names services beyond the policy itself: reviewing a client's cybersecurity posture, running incident-response exercises, and designing cyber-hygiene governance frameworks, delivered by a team it says has over 100 Associates. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") TechInsurance's reviewed cyber liability page does not describe comparable ongoing security or risk-management services; it focuses on coverage, cost and how to buy. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")

## What to Confirm in Cyber Insurance Quotes

- Ask TechInsurance for a specific quote against your employee count and data volume, since its published $129 median is a book-of-business average. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Ask Lockton for a cost estimate, since its pages describe the placement process without pricing. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Confirm whether the exclusions TechInsurance lists — physical device damage, unrelated professional negligence — also apply to whatever carrier Lockton places you with. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Get the issuing insurer from both; neither reviewed page names one for a standard placement. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## Offering Details

| Criteria | Lockton Cyber & Technology Insurance Brokerage | TechInsurance Cyber Liability 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..) | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page..) |
| 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..) | The reviewed cyber liability page does not name the issuing insurer for a cyber policy; TechInsurance says it collects an application and returns quotes from multiple carriers rather than naming one insurer upfront. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Cyber liability 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..) | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Who needs cyber liability insurance section of the product page..) |
| Coverage Features | Not described in the reviewed sources. | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page; coverage described in general terms, not a specific policy form..)<br><br>TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: What isn't covered by cyber liability insurance section of the product page..) |
| Limits and Retentions | Not described in the reviewed sources. | TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| 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..) | The reviewed cyber liability page does not describe ongoing security monitoring or other risk-management services for policyholders; it focuses on coverage, cost and how to buy. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Not found in reviewed sources; scope: Cyber liability product page as read on 2026-09-23..) |
| 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..) | You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page application and certificate sections..) |

## Full Comparison

- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance): 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 TechInsurance Commercial Property Insurance](https://spot.insure/compare/lockton-vs-techinsurance/commercial-property)
- [Lockton vs TechInsurance D&O Insurance](https://spot.insure/compare/lockton-vs-techinsurance/directors-officers)
- [Lockton vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-techinsurance/employment-practices)
- [Lockton vs TechInsurance General Liability Insurance](https://spot.insure/compare/lockton-vs-techinsurance/general-liability)
- [Lockton vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber)
- [Alliance Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/cyber)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber)
- [Amelia Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/cyber)
- [At-Bay vs Lockton Cyber Insurance](https://spot.insure/compare/at-bay-vs-lockton/cyber)
- [At-Bay vs TechInsurance Cyber Insurance](https://spot.insure/compare/at-bay-vs-techinsurance/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.

### TechInsurance

5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Cyber Liability Insurance – Compare Quotes](https://www.techinsurance.com/cyber-liability-insurance). TechInsurance; What does cyber liability insurance cover?; First-party vs third-party coverage sections; How much does cyber liability insurance cost?; Who needs cyber liability insurance?; What isn't covered by cyber liability insurance?. Accessed 2026-09-23.
8. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Cyber liability insurance card under Top recommended small business insurance policies. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-techinsurance/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)