Lockton vs 
RiskCube: How Do They Compare for Business Insurance?
Lockton designs international insurance programs for technology companies; RiskCube focuses on startup coverage and customer-contract support.
Introduction to the Lockton vs RiskCube Comparison
A technology company opening overseas offices may need local-policy coordination and contract review across countries. Lockton describes international program design; RiskCube focuses on startup coverage and vendor requirements. 2 23 28 Choose Lockton for overseas expansion; choose RiskCube if your startup needs customer-contract requirements addressed.
Buyer Takeaways for Lockton vs RiskCube
Lockton Buyer Takeaways
- Lockton brokers help businesses arrange insurance, employee benefits and retirement programs. 1,13,20Company-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. 2,3,4,5,6,7,8,9,10Company-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.
RiskCube Buyer Takeaways
- Compare available quotes from multiple insurers through RiskCube. 23,26,25,27Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
- Manage policies, certificates and renewal reminders on RiskCube’s platform. 23,26Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
Lockton vs RiskCube Coverage Lines Compared
| Coverage | Lockton | RiskCube |
|---|---|---|
| Cargo and transit | Listed 5Lockton arranges cargo insurance. | Not listed |
| Commercial auto | Listed 5Lockton arranges commercial auto insurance. | Not listed |
| Commercial property | Listed 6Lockton arranges commercial property insurance. | Not listed |
| Crime | Listed 10Lockton arranges commercial crime insurance. | Listed 27RiskCube arranges commercial crime insurance for startups. |
| Cyber liability | Listed 3,2Lockton arranges cyber insurance. | Listed 27RiskCube arranges cyber insurance for startups. |
| Directors and officers | Listed 4,2Lockton arranges directors and officers liability insurance. | Listed 27RiskCube arranges directors and officers liability insurance for startups. |
| Employee health and benefits | Listed 8Lockton arranges employee health and benefits programs. | Not listed |
| Employment practices liability | Listed 10Lockton arranges employment practices liability insurance. | Listed 27RiskCube arranges employment practices liability insurance for startups. |
| Fiduciary liability | Listed 9Lockton arranges fiduciary liability insurance. | Listed 27RiskCube arranges fiduciary liability insurance for startups. |
| General liability | Listed 5Lockton arranges general liability insurance. | Listed 27RiskCube arranges general liability insurance for startups. |
| Generative AI liability | Not listed | Listed 27RiskCube markets AI insurance for startups building AI products. |
| Key person | Listed 10Lockton arranges key person insurance. | Listed 31RiskCube markets key person life insurance placement for startups. |
| Product liability | Listed 5Lockton arranges product liability insurance. | Not listed |
| Professional errors and omissions (E&O) | Listed 10Lockton arranges professional errors and omissions insurance. | Not listed |
| Representations and warranties | Listed 10Lockton arranges representations and warranties insurance. | Not listed |
| Surety bonds | Listed 10Lockton arranges surety bonds. | Not listed |
| Technology errors and omissions (E&O) | Not listed | Listed 29RiskCube arranges technology errors and omissions insurance for startups. |
| Umbrella and excess liability | Listed 5Lockton arranges umbrella and excess liability insurance. | Not listed |
| Workers’ compensation | Listed 7,5Lockton arranges workers’ compensation insurance. | Not listed |
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.
Lockton vs RiskCube Research by Coverage Line
Open what Lockton and RiskCube each document for one coverage line.
Crime Insurance
Cyber Insurance
D&O Insurance
Employment Practices Liability Insurance
Fiduciary Liability Insurance
General Liability Insurance
Key Person Insurance
Current Reliability Scores for Lockton and RiskCube
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Lockton Reliability Scores
BrokerBroker
5.6/ 10RiskCube Reliability Scores
BrokerBroker
5.9/ 10Lockton and RiskCube 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.
Lockton Review Score
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 reviewsRiskCube Review Score
Review Score
No reviews found
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.
Read RiskCube reviewsKey Differences Between Lockton and RiskCube
International Design Is an Engagement Deliverable
Lockton’s technology service description creates a concrete starting point for asking about cross-border program design. Confirm the country-by-country placement route and any minimum account size with Lockton. RiskCube’s reviewed catalogue and startup positioning do not settle that assignment either. Give both brokers the same entity and operations schedule, then request an explanation of which policies and local arrangements they propose. 2 27 23
Lockton also markets private-equity portfolio and transaction capabilities. Those services are scoped to that practice; a startup should not assume that every engagement includes the full private-equity offering. 10
Identify Who Negotiates and Who Can Bind
Lockton describes dedicated casualty teams and says its property team negotiates with markets rather than handing work to a remote broking center. Its terms nevertheless state that it is generally not authorized to bind insurers, subject to disclosed exceptions. RiskCube’s terms require written binding confirmation and applicable conditions. A responsive broker and a completed submission are therefore distinct from confirmed coverage under either route. 5 6 13 26
Lockton’s public technology page describes a round-the-clock service model, while RiskCube describes digital documents, certificates and renewals. Ask how the offered engagement handles a request arriving from a different time zone, including the person authorized to approve a change. Public service descriptions are not account-specific response commitments. 2 28
Read Compensation Together with the Exit Terms
Lockton’s terms describe commissions as fully earned at inception unless law or insurer contracts provide otherwise, and allow negotiated fees and other compensation. RiskCube’s disclosures allow fees and transaction charges despite its no-fee marketing. For a program likely to change during expansion, request the treatment of broker compensation when policies change or cancel, separately from the insurer’s premium adjustment. 13 25
Both describe claims advocacy. Lockton’s specialist-team description and RiskCube’s human-led support establish services to scope, not a basis for predicting settlement quality. 11 28
What Should You Confirm in Lockton and RiskCube Quotes?
- What program design covers the named entities and countries, and who coordinates any local placements? 2 27
- Who negotiates, services and confirms binding, and what response commitment applies across time zones? 13 26
- Which legal producer and California authority apply, and what compensation remains payable after a change or cancellation? Lockton’s certificate-header license and RiskCube’s license list remain company-reported evidence. 21 13 24 25
Lockton vs RiskCube Services Compared
What each provider documents about the services you may need
| Criteria | Lockton | RiskCube |
|---|---|---|
| Customer focus | Technology, hardware, software, internet, medical-device, semiconductor and telecom organizations can ask Lockton about brokerage; public pages give no company-size, funding or revenue minimum. 1,2,10Company-reported. US technology, homepage and private-equity service pages. Presence of a technology practice is not an eligibility guarantee for a bootstrapped or early-stage startup. | Venture-backed startups from pre-seed through IPO and other growing businesses can ask RiskCube about SaaS, AI, fintech, GovTech, space and Web3 risks. 28Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. |
| Access to insurers | 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. 13,3,7Not publicly disclosed. US Terms of Business, cyber-technology, and workers’ compensation marketing. Not a finding that Lockton lacks carrier access. | RiskCube says it compares multiple insurers, but does not identify the carrier for a specific California applicant; ask for the insurer and surplus-lines status. 23,26,25,27Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. |
| Application process | 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. 12,1,15,3,14Company-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. | RiskCube describes a digital intake followed by AI-assisted, broker-reviewed comparison and purchase, but the application reviewed showed only a contact form. 23,33Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. Technology E&O applicants should prepare product, customer, revenue, contract, claims and incident details; RiskCube qualifies quote timing based on risk and underwriting complexity. 29Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. A quote is not coverage: RiskCube requires written confirmation from an insurer or authorized representative and satisfaction of binding conditions. 26Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. |
| Servicing and renewals | Lockton describes dedicated account teams, risk control and renewal service, including a round-the-clock technology service model; confirm actual service commitments and portal features because public pages provide no standard service agreement. 5,2,13,6,1Company-reported. Company service descriptions and default Terms of Business; a signed services agreement can differ. Portal capabilities remain undocumented in this review. | RiskCube says its platform supports policies, certificates and renewal notices; a certificate does not change policy coverage. 23,26Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. RiskCube says it reviews vendor insurance requirements and requested endorsements, but warns AI-assisted output may be incomplete; verify each contract term yourself. 28,26Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. |
| Fees and compensation | 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. 13Company-reported. Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site. | Get the total price and compensation in writing: RiskCube advertises no added broker fee but also allows service and processing fees, insurer/intermediary commissions and incentives. 23,28,25Conflicting sources. Marketing/legal disclosure tension; not a finding that any individual client has been charged an undisclosed fee. No specific commission rate or service fee schedule established. |
Provider Profiles for Lockton and RiskCube
Sources for Lockton vs RiskCube
Lockton Official Website
- 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; 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.
- 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.
- 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.
- 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.
- Property Insurance. Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery. Accessed 2026-09-16.
- 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.
- 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.
- Fiduciary Liability Insurance. Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16.
- 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.
- 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.
- Contact Us. Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16.
- 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.
- 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.
- 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.
- 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.
- 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.
- Lockton Insurance Brokers - Los Angeles. Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16.
- Lockton Insurance Brokers - Irvine. Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16.
- Our Story. Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16.
- 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.
- California Department of Insurance — Check a License. California Department of Insurance; Public license-status inquiry page. Accessed 2026-09-16.
RiskCube Official Website
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
- Terms of Service. RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16.
- Startup Insurance Coverage. RiskCube; All coverage types: product sales cards and Learn more routes; footer producer-role disclosure. Accessed 2026-09-16.
- Startup Insurance FAQ. RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
- Technology Errors and Omissions (E&O) Insurance. RiskCube; Technology E&O product and quote introduction; application FAQ; AI & enterprise risk FAQ on adding an excess policy for AI-related gaps. Accessed 2026-09-16.
- Credit Insurance for Startups. RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
- Key Person Life Insurance for Startups. RiskCube; Key Person Life Insurance product introduction; quote-comparison invitation; timing FAQ; closing placement invitation. Accessed 2026-09-16.
- Key Person Life Insurance Notice. RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
- Contact RiskCube. RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
- Contact RiskCube. RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16.
