---
title: "Lockton vs The Hartford: Cyber Insurance"
description: "Lockton brokers cyber with more than 100 associates who review security posture and run incident-response exercises. The Hartford sells cyber as a BOP endorsement, CyberChoice First Response, or FailSafe Technology E&O, reports about $320 a year on average for data-breach coverage, and offers a 24/7 FirstResponse hotline."
canonical: "https://spot.insure/compare/lockton-vs-the-hartford/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-the-hartford"
provider-a: "lockton"
provider-b: "the-hartford"
coverage-line: "cyber"
---

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

## Agent Guide

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

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

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

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

Lockton is a broker for tech sectors that reviews your cybersecurity posture; The Hartford sells cyber as a business owner's policy endorsement or CyberChoice, with about $320 a year on average for data breach coverage.

Lockton brokers cyber with a 100-person risk team; The Hartford underwrites three named products, including a BOP endorsement, and reports about $320 a year on average for data-breach coverage.

## Lockton vs The Hartford Cyber Insurance Summary

Lockton brokers cyber with more than 100 associates who review security posture and run incident-response exercises. The Hartford sells cyber as a BOP endorsement, CyberChoice First Response, or FailSafe Technology E&O, reports about $320 a year on average for data-breach coverage, and offers a 24/7 FirstResponse hotline. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [3](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")

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

### A Brokered Risk-Engineering Bench or Three Named Hartford Products

Lockton brokers cyber rather than underwriting it and pairs placement with security-posture reviews and incident-response exercises. The Hartford sells cyber three ways: a BOP endorsement, standalone CyberChoice First Response, or FailSafe Technology E&O. Choose Lockton if you want pre-bind risk engineering from a large specialist team; choose The Hartford if you want a named Hartford product, including a BOP add-on, with a 24/7 response hotline. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [3](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")

### Published Average Versus Unpublished Lockton Price

The Hartford reports customers pay about $320 a year on average for data-breach coverage. Lockton's reviewed pages do not publish premiums or limits. [3](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### Hartford Hotline Versus Lockton Incident Exercises

The Hartford gives policyholders 24/7 Cyber Center access and a FirstResponse hotline for active incidents. Lockton describes running incident-response exercises as a pre-bind service rather than staffing a branded 24/7 claims hotline. [3](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

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

- Ask The Hartford which of the three products you would buy. [3](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")
- Ask Lockton which insurers it would negotiate with. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask whether The Hartford's $320 average applies to your operations. [3](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")
- Confirm how The Hartford treats third-party cyber on your form. [3](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")

## Lockton vs The Hartford Cyber Insurance Compared

| Criteria | Lockton Cyber & Technology Insurance Brokerage | The Hartford 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..) | 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. [3](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..) |
| 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..) | 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. [3](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..) |
| 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..) | 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. [3](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..) |

## About Lockton and The Hartford and Cyber Insurance

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

## Related Pages for Lockton vs The Hartford Cyber Insurance

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

## Sources for Lockton vs The Hartford 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 The Hartford

3. [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.

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.

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