---
title: "Lockton vs USI Insurance Services: Cyber Insurance"
description: "USI's PrivaSafe form publishes notification and defense amounts outside the main limit for middle-market firms. Lockton pairs placement with security reviews for hardware, software and telecom clients and does not post comparable numbers."
canonical: "https://spot.insure/compare/lockton-vs-usi/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-usi"
provider-a: "lockton"
provider-b: "usi"
coverage-line: "cyber"
---

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

## Agent Guide

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

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

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

# Lockton vs USI Insurance Services: How Do They Compare for Cyber Insurance?

Both are brokers: Lockton serves tech sectors with security reviews, while USI Insurance Services targets middle-market firms with its PrivaSafe program, which includes up to $2 million of notification-cost coverage.

USI publishes PrivaSafe sublimits a middle-market buyer can compare, while Lockton brokers cyber for named technology industries without posting limit figures.

## Lockton vs USI Insurance Services Cyber Insurance Summary

USI's PrivaSafe form publishes notification and defense amounts outside the main limit for middle-market firms. Lockton pairs placement with security reviews for hardware, software and telecom clients and does not post comparable numbers. [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [2](https://global.lockton.com/us/en/technology "Technology")

## What Are the Key Differences Between Lockton and USI Insurance Services Cyber Insurance?

### Published Figures Versus Industry Advice

USI adds a custom PrivaSafe form to brokered cyber policies and posts numbers a buyer can check against likely breach costs.

USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations..)

Lockton organizes its offer around advice and security reviews for hardware, software, telecom and other technology industries, without a branded form or posted limit schedule. Choose USI if those published extras matter to your response budget; choose Lockton if you need a technology-sector broker rather than a named manuscript form. [2](https://global.lockton.com/us/en/technology "Technology")

### Middle-Market Firms Versus Named Technology Sectors

USI markets PrivaSafe to middle-market companies it says often lack in-house security expertise, and to any business that gathers personal data, runs a network or takes electronic payments. Lockton's stated client list is sector-based rather than size-based: electronic hardware, IT, medical equipment, semiconductors, software and telecommunications. [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [2](https://global.lockton.com/us/en/technology "Technology")

### How You Start

USI asks you to bring current cyber policies, a view of your largest cyber vulnerabilities and recent audited financials. Lockton lists a named U.S. Cyber & Technology leader and a published team email instead of a document checklist or online quote. [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## What Should You Confirm in Lockton and USI Insurance Services Cyber Insurance Quotes?

- Ask USI whether the $10 million, $2 million notification and $250,000 defense figures appear on your quote. [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")
- Ask Lockton for the limits its placed carrier would offer. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Get the issuing insurer from both; neither page names one. [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Confirm whether you fit USI's middle-market pitch or Lockton's named technology sectors. [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [2](https://global.lockton.com/us/en/technology "Technology")

## Lockton vs USI Insurance Services Cyber Insurance Compared

| Criteria | Lockton Cyber & Technology Insurance Brokerage | USI PrivaSafe Cyber and Privacy Liability Program |
| --- | --- | --- |
| 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..) | USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Program page marketing description, not an underwriting appetite statement..) |
| 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. [1](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology page as read 2026-09-23..) | To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: PrivaSafe program page intake description..) |
| 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..) | USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [4](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: PrivaSafe program page and USI's property & casualty and technology practice pages..) |
| 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..) | USI says PrivaSafe includes pre-breach services to help avoid cyber threats and post-breach services designed to streamline incident response and recovery, on top of USI's general property & casualty cyber specialists. [3](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [5](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Program page and property-casualty practice team description..) |

## About Lockton and USI Insurance Services and Cyber Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Lockton vs USI Insurance Services Cyber Insurance

- [Lockton vs USI Insurance Services](https://spot.insure/compare/lockton-vs-usi): 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)
- [USI Insurance Services Cyber Insurance](https://spot.insure/insurance-providers/usi/cyber)

## Sources for Lockton vs USI Insurance Services 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 USI Insurance Services

3. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; How can USI help our firm...; Comprehensive Cyber Coverage Through Three Distinct Offerings (Liability Costs, Compliance/Corrective Costs, Direct Costs); Up to $2 million in notification costs...; $250,000 in defense cost coverage outside the limit; Our current local/regional broker already secured a Cyber liability policy.... Accessed 2026-09-23.
4. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe.... Accessed 2026-09-23.
5. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Cyber Risk...; cyber specialists, claim advocates, risk control specialists. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-usi/cyber.md)
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- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)