GeneralAverage

Coalition vs Lockton: How Do They Compare for Business Insurance?

Coalition pairs cyber and Tech E&O with incident response; Lockton brokers wider programs and offers contract review and claims advocacy.

Introduction to the Coalition vs Lockton Comparison

A business facing customer security clauses and claims across multiple policies can ask Lockton for contract review and claims advocacy; Coalition offers a focused cyber and Tech E&O option. Choose Coalition if cyber cover with incident response is your priority; choose Lockton if you need broader program and claims support. 1 9 20 29

Buyer Takeaways for Coalition vs Lockton

Coalition Buyer Takeaways

  • Technology companies can combine cyber and Tech E&O in one program. 1Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.
  • Policyholders get cyber monitoring, alerts and remediation guidance through Control. 8Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Lockton Buyer Takeaways

  • Lockton brokers help businesses arrange insurance, employee benefits and retirement programs. 19,31,38Company-reported. Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.
  • Technology clients can compare options for cyber, D&O, liability, property and benefits with Lockton. 20,21,22,23,24,25,26,27,28Company-reported. Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.

Coalition vs Lockton Coverage Lines Compared

CoverageCoalitionLockton
Cargo and transitNot listedListed 23Lockton arranges cargo insurance.
Commercial autoNot listedListed 23Lockton arranges commercial auto insurance.
Commercial propertyNot listedListed 24Lockton arranges commercial property insurance.
CrimeListed 5Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations.Listed 28Lockton arranges commercial crime insurance.
Cyber liabilityListed 7Coalition offers cyber insurance.Listed 21,20Lockton arranges cyber insurance.
Directors and officersListed 5Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations.Listed 22,20Lockton arranges directors and officers liability insurance.
Employee health and benefitsNot listedListed 26Lockton arranges employee health and benefits programs.
Employment practices liabilityListed 5Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.Listed 28Lockton arranges employment practices liability insurance.
Fiduciary liabilityListed 5Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations.Listed 27Lockton arranges fiduciary liability insurance.
General liabilityNot listedListed 23Lockton arranges general liability insurance.
Key personNot listedListed 28Lockton arranges key person insurance.
Media liabilityListed 18Coalition identifies media liability within its Active Cyber policy.Not listed
Product liabilityNot listedListed 23Lockton arranges product liability insurance.
Professional errors and omissions (E&O)Listed 6Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.Listed 28Lockton arranges professional errors and omissions insurance.
Representations and warrantiesNot listedListed 28Lockton arranges representations and warranties insurance.
Surety bondsNot listedListed 28Lockton arranges surety bonds.
Technology errors and omissions (E&O)Listed 1Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.Not listed
Umbrella and excess liabilityNot listedListed 23Lockton arranges umbrella and excess liability insurance.
Workers’ compensationNot listedListed 25,23Lockton arranges workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Coalition vs Lockton Research by Coverage Line

Open what Coalition and Lockton each document for one coverage line.

Current Reliability Scores for Coalition and Lockton

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Coalition Reliability Scores

Hybrid provider

Broker

6.1/ 10

Carrier & MGA

6.3/ 10

Provider assessment

Coalition and Lockton Review Scores for 2026

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.

Coalition Review Score

10.0/ 10

Review Score

1 rated source

Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.

Read Coalition reviews

Lockton Review Score

8.4/ 10

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.

Read Lockton reviews

Key Differences Between Coalition and Lockton

Define the Advisor’s Assignment Separately from the Policy

Lockton’s direct technology materials emphasize cyber and D&O, while other practice pages list a broader range of placements. The reviewed public documentation does not establish a standalone Tech E&O offering from a direct product page. That is a documentation limit, not evidence that Lockton cannot place it. Ask the team explicitly to include technology professional liability in its assignment and identify the markets it would approach. Coalition’s Tech E&O route provides a more specific documented product inquiry, including review of services and contracts. 20 28 12

Incident Work and Claims Advocacy Address Different Needs

Coalition describes triage and recovery efforts through its claims experience. Lockton describes mapping losses to policies, preparing claim presentations and dealing with insurers and adjusters. A company could need both technical response and help presenting a disputed claim. Confirm the engagement and notification responsibilities; neither description proves that an insurer will accept the claim or that using a broker changes policy conditions. 9 29 31

An Advisor’s Engagement Does Not Bind the Insurance

Ask which insurer will issue your policy because Lockton does not promise a particular carrier or acceptable terms; its pages mention 100+ workers’ compensation markets without naming them and do not identify insurers for your policy. 31,21,25Not publicly disclosed. US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.

Lockton’s terms also allow commissions, negotiated fees and other compensation, and describe commissions as generally earned at inception. Coalition discloses commissions and incentives for its producers. For a growing company considering an advisor change, request both the new service agreement and the economics of replacing or cancelling a placement. A broad service proposal should not be mistaken for evidence that coverage has started. 31 4

What Should You Confirm in Coalition and Lockton Quotes?

Ask who reviews customer contracts, who negotiates wording and who confirms binding in writing. Request an explicit Tech E&O placement scope, the proposed California producer and insurer, and the claims-advocacy work included in the fee or commission. For Coalition, confirm the incident contact and broker’s notification duties; for Lockton, specify responsibility when several policies or intermediaries are involved. The company-issued California license disclosure still needs independent checking. 13 9 31 39

Coalition vs Lockton Services Compared

What each provider documents about the services you may need

CriteriaCoalitionLockton
Business role

Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. 2,7Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Before relying on a California quote, check the current producer authority: Coalition lists CIS license 0L76155, a company disclosure not independently confirmed with the state regulator. 2Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition Security or independent providers may deliver security services; Coalition’s legal page identifies Coalition Incident Response, Inc. as its operator and says this entity is not an insurer. 2Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

You work with Lockton as a broker for risk, benefits and retirement programs; it arranges and services policies but is not the risk-bearing insurer. 19,31,38Company-reported. Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.

Confirm the legal producer on your California broker agreement: Lockton’s terms name Lockton Companies, LLC and affiliates, its site operator is Lockton, Inc., and certificates use Lockton Insurance Brokers, LLC as a California DBA. 31,32,39Company-reported. Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.

Verify Lockton’s current California producer authority before appointing it: certificates list license 0F15767 for Lockton Companies, LLC dba Lockton Insurance Brokers, LLC, but status, classes and expiration were not independently checked. 39,40Not found in reviewed sources. Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.

Application process

You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. 13Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. 12Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

You can start with a Lockton team inquiry or email its cyber and technology group; reviewed pages do not offer a self-service bind flow or guaranteed quote turnaround. 30,19,33,21,32Company-reported. US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.

Access to insurers

Ask who will issue your policy because admitted cyber uses Coalition Insurance Company while surplus placements use unaffiliated insurers; reviewed sources do not identify one insurer for every California Tech E&O quote. 3,2Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Ask which insurer will issue your policy because Lockton does not promise a particular carrier or acceptable terms; its pages mention 100+ workers’ compensation markets without naming them and do not identify insurers for your policy. 31,21,25Not publicly disclosed. US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access.

Fees and compensation

Your broker may receive a premium-based commission plus contingent commissions, placement incentives or cybersecurity-sales compensation, according to Coalition; ask how your placement is compensated. 4Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition says it keeps part of earned premium for operations and broker commissions, and may receive additional insurer payments tied to annual portfolio loss ratios. 16Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Get the full price and broker compensation in writing; reviewed disclosures do not state a startup quote’s commission rate, fee or premium. 4,16Not publicly disclosed. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Request all commissions and fees for your account: Lockton’s terms allow insurer commissions, client fees, contingent/supplemental compensation, insurer service fees, affiliate reinsurance income and finance interest, but publish no standard rates. 31Company-reported. Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.

Claims assistance

Coalition describes in-house cyber triage and attempts to recover stolen funds, with the same team handling Tech E&O; these service descriptions do not establish response quality or payment for a loss. 9,1Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Lockton says its integrated claims team helps investigate, map facts to coverage and negotiate with insurers, but Lockton does not pay claims; service descriptions do not establish claim outcomes or quality. 20,22,27,29,25,31Company-reported. Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.

Sources for Coalition vs Lockton

Coalition Official Website

  1. Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
  2. Licenses and Carriers. Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
  3. U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
  4. U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
  5. Executive Risks. Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
  6. Miscellaneous Professional Liability. Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
  7. Active Cyber Insurance. Coalition; Active Cyber Insurance; Coverage Advantage: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud, business interruption. Accessed 2026-09-16.
  8. Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
  9. Cyber Insurance Claims Experience. Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
  10. Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
  11. Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
  12. How to add Tech E&O coverage to a Coalition quote. Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
  13. How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
  14. Does Coalition offer Excess coverage? Coalition; Where do I send my excess submissions?; What excess products does Coalition offer, and in what regions? (excess Cyber Surplus in the US and Canada; excess Tech E&O and MPL combined with cyber, US only). Accessed 2026-09-16.
  15. How do Cyber renewals work at Coalition? Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
  16. How does Coalition make money? Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
  17. Active Cyber Insurance for Enterprises. Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
  18. Coalition AI Coverage. Coalition; Coverage in Action table, including the Defamation row (Media Liability insuring agreement); Deepfake Response; policy disclaimers. Accessed 2026-09-16.

Lockton Official Website

  1. 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.
  2. Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
  3. Cyber & Technology. Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16.
  4. D&O Insurance. Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16.
  5. Casualty Insurance. Lockton; Introduction on designing and placing liability, auto and workers’ compensation programs; Casualty Insurance Solutions: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers’ Compensation; dedicated service team. Accessed 2026-09-16.
  6. Property Insurance. Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery. Accessed 2026-09-16.
  7. Workers' Compensation. Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16.
  8. Lockton People Solutions. Lockton; Introducing Lockton People Solutions; integrated health and risk programs; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16.
  9. Fiduciary Liability Insurance. Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16.
  10. Risk & People Solutions for Private Equity Firms. Lockton; Lockton capabilities across the investment life cycle: D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person insurance and benefits design. Accessed 2026-09-16.
  11. Loss Prevention and Claims. Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16.
  12. Contact Us. Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16.
  13. 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.
  14. Lockton US Terms of Use. Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16.
  15. Lockton Companies Website Privacy Notice. Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16.
  16. Offices - Lockton US. Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16.
  17. Lockton Insurance Brokers - San Francisco. Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16.
  18. Lockton Insurance Brokers - Los Angeles. Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16.
  19. Lockton Insurance Brokers - Irvine. Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16.
  20. Our Story. Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16.
  21. Lockton-produced certificate of insurance producer header. Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16.
  22. California Department of Insurance — Check a License. California Department of Insurance; Public license-status inquiry page. Accessed 2026-09-16.

Updated . 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. To suggest a correction, email The General Average with the page URL and supporting source.

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