---
title: "AIG vs Lockton: D&O Insurance"
description: "AIG offers D&O product forms, while Lockton designs broker-placed programs with integrated claims counsel."
canonical: "https://spot.insure/compare/aig-vs-lockton/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-lockton"
provider-a: "aig"
provider-b: "lockton"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-lockton/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of AIG and Lockton for D&O 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 D&O Insurance questions about AIG versus Lockton. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Lockton for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, AIG or Lockton?
- What does AIG or Lockton publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from AIG or Lockton?

**Key facts:**
- Line: D&O Insurance. Providers: AIG and Lockton.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Lockton](https://spot.insure/compare/aig-vs-lockton) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [AIG vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-lockton/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Commercial Property Insurance](https://spot.insure/compare/aig-vs-lockton/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Crime Insurance](https://spot.insure/compare/aig-vs-lockton/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Cyber Insurance](https://spot.insure/compare/aig-vs-lockton/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Employee Health Benefits](https://spot.insure/compare/aig-vs-lockton/employee-health-benefits) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-lockton/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton General Liability Insurance](https://spot.insure/compare/aig-vs-lockton/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Product Liability Insurance](https://spot.insure/compare/aig-vs-lockton/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-lockton/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk D&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk D&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon D&O Insurance](https://spot.insure/compare/aig-vs-aon/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley D&O Insurance](https://spot.insure/compare/aig-vs-beazley/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line)

# AIG vs Lockton: How Do They Compare for D&O Insurance?

AIG offers D&O product forms, while Lockton designs broker-placed programs with integrated claims counsel.

## Research Scope and Use

Use this comparison to evaluate AIG and Lockton for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

AIG offers D&O standalone or modular. Lockton brokers Side A, B, and C programs, describes broad insured-person categories, and embeds experienced claims counsel in its Professional and Executive Risk team. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") [7](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## 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. [4](https://global.lockton.com/us/en "Lockton United States") [5](https://global.lockton.com/us/en/technology "Technology") [6](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [9](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [10](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## Key Differences in D&O Insurance

### Program design and insured parties

AIG offers D&O as standalone coverage or modularly with other management-liability policies. Lockton brokers a three-part design: Side A for individuals when the company cannot indemnify, Side B reimbursement, and Side C entity coverage, with broader entity coverage described for private and nonprofit organizations than public companies. Lockton also says its placements can extend to trustees, employees, contractors, committee members, volunteers, subsidiaries, spouses, and estates, subject to the policy. Buyers should compare the proposed insured definition with the AIG form. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") [7](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### Claims advocacy

AIG says its D&O product protects executive and governance exposures and provides applications through its product team. Lockton describes integrating experienced insurance and claims counsel within the broking team from the start of the relationship, rather than separating claims advocacy as a later service. That is a documented brokerage-service distinction, not a coverage grant or insurer decision. Ask Lockton who handles a claim and ask AIG which carrier claims contacts and defense-counsel provisions appear in the proposed policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") [7](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## What to Confirm in D&O Insurance Quotes

- Ask Lockton which insured-person categories and Side C scope appear in the insurer’s final wording. [7](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Ask AIG for the issuing entity, defense provisions, and claim reporting process. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US")

## Offering Details

| Criteria | AIG Directors & Officers Liability | Lockton Directors & Officers (D&O) Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | AIG offers D&O standalone or modular with other management-liability coverages. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") (Evidence: Company-reported; scope: AIG management-liability portfolio. Claim limitation: Combination availability can vary by account and jurisdiction. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | 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. [7](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..) |
| Issuing Insurer | Confirm in your quote. | The D&O page does not name the insurers Lockton places D&O coverage with. [7](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Not publicly disclosed; scope: D&O product page checked 2026-09-23..) |
| Who It’s For | Confirm in your quote. | 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. [7](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..) |
| Coverage Features | AIG describes D&O protection for executive and corporate-governance exposures. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") (Evidence: Company-reported; scope: AIG management liability product page. Claim limitation: Policy terms and coverage triggers control; no policy form reviewed here. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | 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). [7](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 to Apply | AIG links to application forms for its Management and Professional Liability products and provides contact information for its national product and distribution teams. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability "Directors & Officers (D&O) Liability Insurance | AIG US") (Evidence: Company-reported; scope: The Forms and Applications and national product/distribution contact sections on AIG’s US D&O product page. Claim limitation: The page supports form access and team contact information. It does not establish that application or placement must be routed through a broker, whether buyers or brokers submit a form, or any online quote/bind path. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | Confirm in your quote. |
| Claims Support | Confirm in your quote. | 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. [7](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..) |

## Full Comparison

- [AIG vs Lockton](https://spot.insure/compare/aig-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [AIG vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-lockton/cargo-transit)
- [AIG vs Lockton Commercial Property Insurance](https://spot.insure/compare/aig-vs-lockton/commercial-property)
- [AIG vs Lockton Crime Insurance](https://spot.insure/compare/aig-vs-lockton/crime)
- [AIG vs Lockton Cyber Insurance](https://spot.insure/compare/aig-vs-lockton/cyber)
- [AIG vs Lockton Employee Health Benefits](https://spot.insure/compare/aig-vs-lockton/employee-health-benefits)
- [AIG vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-lockton/employment-practices)
- [AIG vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-lockton/fiduciary)
- [AIG vs Lockton General Liability Insurance](https://spot.insure/compare/aig-vs-lockton/general-liability)
- [AIG vs Lockton Product Liability Insurance](https://spot.insure/compare/aig-vs-lockton/product-liability)
- [AIG vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-lockton/workers-compensation)
- [AIG vs Alliance Risk D&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/directors-officers)
- [AIG vs Amelia Risk D&O Insurance](https://spot.insure/compare/aig-vs-amelia-risk/directors-officers)
- [AIG vs Aon D&O Insurance](https://spot.insure/compare/aig-vs-aon/directors-officers)
- [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers)
- [AIG vs Beazley D&O Insurance](https://spot.insure/compare/aig-vs-beazley/directors-officers)
- [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Directors & Officers (D&O) Liability Insurance | AIG US](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/directors-and-officers-liability). AIG US; D&O product overview; modular coverage; Forms and Applications; Brokers: Meet Your AIG Team, lines 311–320. Accessed 2026-09-28.

### Lockton

4. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
5. [Technology](https://global.lockton.com/us/en/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.
6. [US Terms of Business](https://global.lockton.com/us/en/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.
7. [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.

### D&O Insurance Guide

8. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
9. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
10. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Lockton Reviews

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-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://spot.insure/llms.txt)