---
title: "Lockton vs The Hartford Cyber Insurance"
description: "Lockton brokers cyber under Inform, Improve, Insure; The Hartford sells cyber as a BOP endorsement, CyberChoice First Response, or FailSafe Tech E&O."
canonical: "https://spot.insure/compare/lockton-vs-the-hartford/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Lockton vs The Hartford Cyber Insurance

Lockton brokers cyber under Inform, Improve, Insure; The Hartford sells cyber as a BOP endorsement, CyberChoice First Response, or FailSafe Tech E&O.

## Research Scope and Use

Use this comparison to evaluate Lockton and The Hartford 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

Lockton brokers cyber insurance and pairs placement with a three-step Inform, Improve, Insure process. The Hartford sells cyber three ways: a BOP Data Breach endorsement, stand-alone CyberChoice First Response, or FailSafe Technology E&O. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")

## 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## 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

### Market Placement Versus Named Hartford Products

Lockton brokers cyber insurance and pairs placement with risk-management advice under Inform, Improve, Insure. The Hartford sells cyber coverage three ways depending on complexity: as a BOP Data Breach and Cyber Virus and Malware endorsement, as stand-alone CyberChoice First Response, or as FailSafe Technology Errors and Omissions.

The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..)

[4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### Services Each Describes

Lockton describes reviewing a client's cybersecurity posture, running incident-response exercises, and helping design security governance. The Hartford gives cyber policyholders 24/7 access to a Cyber Center with security awareness training, attorney consultation and vendor-contract review, plus a FirstResponse hotline at 800-370-0605. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")

### How You Reach Each Company

Lockton's Cyber & Technology page lists a named EVP, U.S. Cyber & Technology Leader, and a published contact email 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") The Hartford's reviewed page does not describe a comparable application or quote-request process; the only contact channel it names is a FirstResponse hotline and email for policyholders responding to an active cyber incident, not for starting a new placement. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")

## What to Confirm in Cyber Insurance Quotes

- Ask Lockton which insurers it would negotiate with. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask The Hartford which of the three products applies. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")
- Ask The Hartford how a third-party claim would be handled without a separate third-party cyber grant. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")
- Ask Lockton what Improve work would precede Insure. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## Offering Details

| Criteria | Lockton Cyber & Technology Insurance Brokerage | The Hartford 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..) | The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..) |
| Coverage Features | Not described in the reviewed sources. | The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| Limits and Retentions | Not described in the reviewed sources. | The Hartford reports customers pay about $320 a year on average for data breach coverage; the page does not publish standard coverage limits or retentions, which it says depend on business operations, size and chosen coverage options. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23 (page last updated by The Hartford March 10, 2026); not a specific quote..) |
| 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 Hartford gives cyber policyholders 24/7 access to a Cyber Center with security awareness training, data privacy and cybersecurity attorney consultation, third-party vendor contract review, cyber advisories and webinars. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 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..) | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | The Hartford's Cyber Response Team is available 24/7 through a FirstResponse hotline (800-370-0605) or email (firstresponse@thehartford.com) to help policyholders respond to an active cyber incident. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..) |

## Full Comparison

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

### The Hartford

5. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
8. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; What Is Business Cyber Insurance?; Does My Business Need Cyber Insurance?; What Does Cyber Insurance Usually Cover?; What Is Not Covered; How Much Does Cyber Insurance Cost; The Hartford's Small Business Cyber Insurance Solutions (BOP add-on, CyberChoice First Response, FailSafe Technology E&O). 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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