Lockton vs 
Travelers Cyber Insurance
Travelers underwrites a single named technology-sector policy with bundled risk services, while Lockton brokers placement across a wider set of hardware and software industries.
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. 1,2,3
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 5,6,7
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 9
Key Differences in Cyber Insurance
Underwriter Versus Broker, With Overlapping Sectors
Travelers underwrites CyberRisk Tech itself for technology and life-sciences companies, citing their reliance on digital systems and sensitive data such as intellectual property and clinical information. 8 Lockton brokers cyber placement for a related but broader set of sectors — electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications — negotiating terms with whichever insurer fits rather than underwriting the product itself. 2
Risk Services Bundled Into the Policy Versus Delivered Before Placement
Travelers includes Cyber Risk Services at no additional cost for its cyber-coverage policyholders: a 24/7 dashboard, continuous threat monitoring, and post-breach support pairing policyholders with a claim specialist and an outside breach coach.
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. 8Company-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 services instead come before a policy is placed — reviewing a client's cybersecurity posture and running incident-response exercises — delivered by its own team rather than bundled into a carrier's policy. 4
Combining Cyber With Technology E&O
Travelers lets a CyberRisk Tech buyer choose cyber protection, technology E&O protection, or both within the same policy. 8 Lockton's reviewed pages describe cyber and technology as related practices it advises on, but do not describe a single combined policy the way Travelers does. 4
What to Confirm in Cyber Insurance Quotes
- Ask Travelers whether your business fits its technology and life-sciences appetite for CyberRisk Tech. 8
- Ask Lockton which insurer it would place your risk with if you fall outside Travelers' underwriting appetite. 4
- Confirm whether Travelers' Cyber Risk Services apply automatically or require a separate eligibility check. 8
- Get published limits and retentions from both; neither page discloses them. 8 4
Offering Details
Lockton vs Travelers Cyber Insurance: documented features by provider
| Criteria | Lockton Cyber & Technology Insurance Brokerage | Travelers CyberRisk Tech |
|---|---|---|
| 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. 4Company-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. 8Company-reported. Product page "What does cyber insurance coverage for technology companies include?" section. |
| 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. 4Not publicly disclosed. 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. 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. 8Company-reported. Product page introduction. |
| Coverage Features | Not described in the reviewed sources. | Travelers says CyberRisk Tech includes technology errors and omissions, privacy and security, media and regulatory proceedings liability insuring agreements, plus breach response, cybercrime and business loss (first-party) coverages such as forensic investigations, public relations costs, business interruption loss and cyber extortion costs. 8Company-reported. Product page "How does CyberRisk tech coverage mitigate cyber risk?" and "What does cyber insurance coverage for technology companies include?" sections; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish limits, retentions or premiums for CyberRisk Tech; amounts would appear on a quote or declarations. 8Not found in reviewed sources. Product page as read on 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. 4Company-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. 8Company-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. 8Company-reported. Product page footnote on the risk-reduction statistic; this is a company-reported outcome, not independently verified. |
| 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. 4Company-reported. Cyber & Technology page as read 2026-09-23. | CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. 8Company-reported. Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section. |
Full Comparison
More Lockton vs Travelers Comparisons
Other Cyber Insurance Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Unique expertise in Cyber Liability; industries served (electronic hardware, information technology, internet, medical equipment, semiconductors, software, telecommunications). Accessed 2026-09-23.
- US 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.
- 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.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Cyber Insurance for Technology and Life Sciences. Travelers; What does cyber insurance coverage for technology companies include?; How does CyberRisk tech coverage mitigate cyber risk?; How can technology companies identify cyber risks earlier?; How do Cyber Risk Services support technology and life sciences policyholders? Accessed 2026-09-23.
Cyber Insurance Guide
- 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.
