Lockton vs 
Zurich U.S.: How Do They Compare for Cyber Insurance?
Lockton follows an Inform, Improve, Insure approach: it quantifies cyber financial exposure, recommends security work and negotiates terms with insurers. A buyer seeking readiness work can ask Lockton for a posture review or incident-response exercise before placement; Zurich offers incident-reporting resources and complimentary onboarding after purchase. 4,7
What Is Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 1,2,3
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 5,6
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 8,9
Key Differences in Cyber Insurance
Coverage and contract terms
Lockton follows an Inform, Improve, Insure approach: it quantifies cyber financial exposure, recommends security work and negotiates terms with insurers. Zurich’s record emphasizes distinct products for small and midsize firms and large or global companies. 4 7
Risk services and incident help
A buyer seeking readiness work can ask Lockton for a posture review or incident-response exercise before placement; Zurich offers incident-reporting resources and complimentary onboarding after purchase. Confirm whether Zurich onboarding includes any pre-breach security work. 4 7
Company fit and limits
Lockton serves technology sectors from hardware and semiconductors to software and telecom, but does not name the carrier for a particular placement. Zurich says it can write primary or excess. Request carrier options and attachment details from Lockton, then compare a Zurich primary or excess quote on the same basis. 4 7
Buying and claims details
Lockton’s cyber team is reached through its named contact or the team email rather than a self-service quote. Zurich’s page describes its product structure but not the application channel. Ask each team what submission materials and controls are required. 4 7
What to Confirm in Cyber Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Lockton
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
Lockton vs Zurich U.S.: Cyber Insurance: documented features by provider
| Criteria | Lockton Cyber & Technology Insurance Brokerage | Zurich Cyber Insurance |
|---|---|---|
| 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. | Confirm in your quote. |
| 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. | Confirm in your quote. |
| 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. | Zurich offers a Concierge Suite for small/midsize companies and a separate cyber policy for large/global companies. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Coverage Features | Confirm in your quote. | Zurich says it can write cyber policies on both primary and excess bases. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. | Zurich directs policyholders facing a cyber incident to its claims-reporting and incident-response resources, and offers a complimentary onboarding session through Zurich Resilience Solutions. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. | Confirm in your quote. |
Full Comparison
More Lockton vs Zurich U.S. 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.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Cyber Security Insurance and Coverage | Zurich Insurance. Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
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.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
