Lockton vs Travelers: How Do They Compare for Cyber Insurance?

Lockton is a broker for hardware, software and telecom sectors; Travelers underwrites CyberRisk Tech for technology and life-sciences companies through independent agents.

Travelers writes CyberRisk Tech so technology and life-sciences companies can combine cyber and technology E&O and get monitoring in the policy. Lockton brokers the line for hardware, semiconductor and telecom clients and runs security reviews before it places coverage. ^3,²

What Are the Key Differences Between Lockton and Travelers Cyber Insurance?

Who Each Product Is Built For

Travelers built CyberRisk Tech for technology and life-sciences companies that rely on digital systems and sensitive data, including intellectual property and clinical information. Lockton's technology practice instead names electronic hardware, IT, internet, medical equipment, semiconductors, software and telecommunications. Choose Travelers if you sit in those two named industries and want the insurer to underwrite you directly; choose Lockton if you are in hardware, semiconductors or telecom and want a broker to shop the market. ³ ²

Monitoring Inside the Policy Versus Reviews Before Placement

Travelers includes Cyber Risk Services at no extra charge for cyber-coverage policyholders.

Travelers includes Cyber Risk Services at no additional cost for Cyber-coverage policyholders: a 24/7 Cyber Risk Dashboard, continuous threat monitoring, pre-breach consultation, and post-breach support pairing policyholders with Claim specialists and an outside cyber breach coach who connects them to forensics investigators and crisis communications professionals. ³Company-reported. Product page "How can technology companies identify cyber risks earlier?" and "How do Cyber Risk Services support technology and life sciences policyholders?" sections; availability varies by policy eligibility.

Lockton's comparable work happens before a policy is bound: posture reviews, incident-response exercises and governance design, delivered by a team it says has more than 100 cyber Associates rather than a carrier dashboard. ¹

Travelers lets a CyberRisk Tech buyer pick cyber protection, technology E&O, or both in the same policy. Lockton's reviewed pages treat cyber and technology as related practices it advises on, not as a single combined form a buyer can elect on one application. ³ ¹

What Should You Confirm in Lockton and Travelers Cyber Insurance Quotes?

Ask Travelers whether your operations fit its technology and life-sciences appetite. ³
Ask Lockton which insurer would issue your policy; its pages do not name one. ¹
Confirm whether Travelers' Cyber Risk Services attach automatically to your tier. ³
Get limits and retentions from both; neither reviewed page publishes them. ³ ¹

Lockton vs Travelers Cyber Insurance Compared

Lockton vs Travelers: Cyber Insurance: documented features by provider

Criteria	Lockton Cyber & Technology Insurance Brokerage	Travelers CyberRisk Tech
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. ²Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published.	Travelers targets CyberRisk Tech at technology and life-sciences companies, citing their reliance on digital systems and sensitive data, including intellectual property and patient or clinical information. ³Company-reported. Product page introduction.
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. ¹Company-reported. Cyber & Technology page as read 2026-09-23.	CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. ³Company-reported. Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section.
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. ¹Company-reported. Cyber & Technology product page as read 2026-09-23.	Travelers underwrites CyberRisk Tech as a scalable policy for technology and life-sciences companies, letting a business choose cyber protection, technology E&O protection, or both within the same policy. ³Company-reported. Product page "What does cyber insurance coverage for technology companies include?" section.
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. ¹Company-reported. Cyber & Technology product page as read 2026-09-23.	Travelers includes Cyber Risk Services at no additional cost for Cyber-coverage policyholders: a 24/7 Cyber Risk Dashboard, continuous threat monitoring, pre-breach consultation, and post-breach support pairing policyholders with Claim specialists and an outside cyber breach coach who connects them to forensics investigators and crisis communications professionals. ³Company-reported. Product page "How can technology companies identify cyber risks earlier?" and "How do Cyber Risk Services support technology and life sciences policyholders?" sections; availability varies by policy eligibility. Travelers says organizations that engaged with its Cyber Risk Dashboard and related services saw cyber claim frequency and severity reduced by nearly 20% compared with policyholders that did not, based on its own claims data. ³Company-reported. Product page footnote on the risk-reduction statistic; this is a company-reported outcome, not independently verified.