---
title: "Lockton vs Travelers Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-travelers/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Lockton and Travelers 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

Travelers underwrites CyberRisk Tech for technology and life-sciences companies and includes Cyber Risk Services at no extra cost, while Lockton brokers cyber placement across named hardware, software and telecom sectors and adds its own security-posture reviews. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [2](https://global.lockton.com/us/en/technology "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 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [6](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [7](https://www.travelers.com/contact-us "Contact Us")

[Travelers profile](https://spot.insure/insurance-providers/travelers)

## 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

### 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](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") 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](https://global.lockton.com/us/en/technology "Technology")

### 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. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### 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](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## What to Confirm in Cyber Insurance Quotes

- Ask Travelers whether your business fits its technology and life-sciences appetite for CyberRisk Tech. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")
- Ask Lockton which insurer it would place your risk with if you fall outside Travelers' underwriting appetite. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Confirm whether Travelers' Cyber Risk Services apply automatically or require a separate eligibility check. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences")
- Get published limits and retentions from both; neither page discloses them. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## Offering Details

| 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [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..) | 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. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Not found in reviewed sources; scope: 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: 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. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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..)<br><br>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. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology page as read 2026-09-23..) | CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. [8](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section..) |

## Full Comparison

- [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers): 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 Travelers Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-travelers/cargo-transit)
- [Lockton vs Travelers Commercial Property Insurance](https://spot.insure/compare/lockton-vs-travelers/commercial-property)
- [Lockton vs Travelers Crime Insurance](https://spot.insure/compare/lockton-vs-travelers/crime)
- [Lockton vs Travelers D&O Insurance](https://spot.insure/compare/lockton-vs-travelers/directors-officers)
- [Lockton vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-travelers/employment-practices)
- [Lockton vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-travelers/fiduciary)
- [Lockton vs Travelers General Liability Insurance](https://spot.insure/compare/lockton-vs-travelers/general-liability)
- [Lockton vs Travelers Surety Bonds](https://spot.insure/compare/lockton-vs-travelers/surety-bonds)
- [Lockton vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-travelers/workers-compensation)
- [Alliance Risk vs Lockton Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/cyber)
- [Alliance Risk vs Travelers Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/cyber)
- [Amelia Risk vs Lockton Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/cyber)
- [Amelia Risk vs Travelers Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/cyber)
- [At-Bay vs Lockton Cyber Insurance](https://spot.insure/compare/at-bay-vs-lockton/cyber)
- [At-Bay vs Travelers Cyber Insurance](https://spot.insure/compare/at-bay-vs-travelers/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.

### Travelers

5. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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.
6. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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.
7. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
8. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). 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

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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