--- title: "Lockton D&O Insurance" description: "Lockton designs and places D&O insurance programs, structuring Side A, Side B and Side C coverage for individual directors and officers and the company." canonical: "https://thegeneralaverage.com/insurance-providers/lockton/directors-officers" page-type: "offering-page" updated-at: "2026-09-23" provider: "lockton" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-providers/lockton/directors-officers) ## Agent Guide **What this page is:** What Lockton D&O Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Lockton D&O Insurance specifically. For the general coverage explainer use /coverage/directors-officers; for the provider overall use its profile. **Questions this page answers:** - Does Lockton D&O Insurance offer this coverage? - What does Lockton D&O Insurance cover and exclude? - Who is Lockton D&O Insurance designed for? **Key facts:** - Provider slug `lockton`; coverage line `directors-officers`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/lockton) — parent: provider profile # What Does D&O Insurance from Lockton Cover? Product: Lockton Directors & Officers (D&O) Insurance Brokerage. Provider: Lockton. Coverage line: D&O Insurance. ## Quick Answer Lockton designs and places D&O insurance programs, structuring Side A, Side B and Side C coverage for individual directors and officers and the company. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") ## Lockton D&O Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Not publicly disclosed | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Claims Support | Company-reported | 1 | ## What Is Lockton’s Role in D&O Insurance? - Lockton designs and places D&O programs rather than underwriting them, saying effective coverage requires market intelligence, coverage-design precision and staying ahead of emerging risks like AI-related litigation and event-driven claims. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Company-reported; scope: D&O product page as read 2026-09-23.) ## Who Is Lockton D&O Insurance For? - Lockton says D&O coverage it places can extend beyond directors and officers to trustees, employees, independent contractors, staff, committee members, volunteers, the corporate entity, majority-owned subsidiaries, spouses/domestic partners, and estates/heirs. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Company-reported; scope: D&O product page as read 2026-09-23. Describes who can typically be covered under a program Lockton structures, not a guarantee for any specific client.) ## What Coverage Features Does Lockton D&O Insurance Include? - Lockton explains a traditional D&O program in three parts it says it can structure: Side A (direct coverage to individual directors/officers when the company can't indemnify them), Side B (reimbursing the company for indemnifying its D&Os), and Side C (entity coverage, generally limited to securities claims for public companies but broader for private and nonprofit organizations). [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Company-reported; scope: D&O product page as read 2026-09-23. General educational description of program structure, not a specimen policy form.) ## How Does Lockton Handle D&O Insurance Claims? - Lockton says its Professional & Executive Risk Claims team integrates experienced insurance and claims counsel within the broking team from the start of the relationship, rather than treating claims advocacy as a separate profit center. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Company-reported; scope: D&O product page as read 2026-09-23.) ## What We Couldn’t Find About Lockton D&O Insurance The reviewed sources do not settle these. Confirm them with Lockton or a broker before relying on them. - **Issuing Insurer (Not publicly disclosed):** The D&O page does not name the insurers Lockton places D&O coverage with. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Scope: D&O product page checked 2026-09-23.) ## How Does Lockton Compare With Other D&O Insurance Providers? - [Lockton vs AIG](https://thegeneralaverage.com/compare/aig-vs-lockton) - [Lockton vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-lockton) - [Lockton vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-lockton) - [Lockton vs Aon](https://thegeneralaverage.com/compare/aon-vs-lockton) - [Lockton vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-lockton) - [Lockton vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-lockton) ## Other Coverage Lines From Lockton - [Lockton Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cargo-transit) - [Lockton Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-auto) - [Lockton Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/lockton/commercial-property) - [Lockton Crime Insurance](https://thegeneralaverage.com/insurance-providers/lockton/crime) - [Lockton Cyber Insurance](https://thegeneralaverage.com/insurance-providers/lockton/cyber) - [Lockton Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/lockton/employee-health-benefits) - [Lockton Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/employment-practices) - [Lockton Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/fiduciary) - [Lockton General Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/general-liability) - [Lockton Key Person Insurance](https://thegeneralaverage.com/insurance-providers/lockton/key-person) - [Lockton Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/product-liability) - [Lockton Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/lockton/professional-errors-omissions) - [Lockton Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/lockton/representations-warranties) - [Lockton Surety Bonds](https://thegeneralaverage.com/insurance-providers/lockton/surety-bonds) - [Lockton Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/lockton/umbrella-excess) - [Lockton Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/lockton/workers-compensation) ## Rankings That Include Lockton - [Best D&O Insurance for Nonprofits](https://thegeneralaverage.com/best/directors-officers/nonprofits) ## Related Reading - [Lockton Profile](https://thegeneralaverage.com/insurance-providers/lockton) - [Lockton Reliability](https://thegeneralaverage.com/insurance-providers/lockton/reliability) - [Lockton Alternatives](https://thegeneralaverage.com/insurance-providers/lockton/alternatives) - [Coverage Guide: Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) ## Sources for Lockton D&O Insurance 1. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; What is D&O insurance?; Side A/B/C coverage components; Who can be covered under a D&O program?; Claims management. Accessed 2026-09-23. ## How to Cite This Page Lockton D&O Insurance: Coverage, Eligibility & Claims (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/lockton/directors-officers. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-providers/lockton/directors-officers.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)