---
title: "Alliance Risk vs Lockton: D&O Insurance"
description: "Both are brokers: Alliance Risk publishes sample Side A limits and premiums by company size and reviews your existing D&O at no charge. Lockton publishes no prices but assigns a Professional & Executive Risk Claims team of insurance and claims counsel from day one."
canonical: "https://spot.insure/compare/alliance-risk-vs-lockton/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "alliance-risk-vs-lockton"
provider-a: "alliance-risk"
provider-b: "lockton"
coverage-line: "directors-officers"
---

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

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk 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 Alliance Risk versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Alliance Risk vs Lockton for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Alliance Risk or Lockton?
- What does Alliance Risk or Lockton publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Alliance Risk and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Alliance Risk vs Lockton](https://spot.insure/compare/alliance-risk-vs-lockton) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

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

Lockton designs and places D&O programs and describes support from a specialist claims team; Alliance Risk offers a no-charge policy review and publishes indicative limits and premiums.

Alliance Risk shows sample D&O prices and reviews your current policy free, while Lockton puts claims counsel on your broking team for when a claim lands.

## Alliance Risk vs Lockton D&O Insurance Summary

Both are brokers: Alliance Risk publishes sample Side A limits and premiums by company size and reviews your existing D&O at no charge. Lockton publishes no prices but assigns a Professional & Executive Risk Claims team of insurance and claims counsel from day one. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## What Are the Key Differences Between Alliance Risk and Lockton D&O Insurance?

### Price Guidance and Policy Review vs Claims Counsel on Your File

Alliance Risk checks your current policy's Side A, B and C structure for missing endorsements, then takes the risk to management-liability carriers; its page doesn't describe any claims help of its own. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") Lockton's claims counsel sit inside the broking team from the start, so the people who designed your program also argue your claim with the insurer, and it says it designs programs around emerging risks such as AI-related litigation. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Choose Alliance Risk if you want a price range before you apply or a free second opinion on your current policy; choose Lockton if claim-time advocacy or AI-related exposure is your bigger worry. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### Who the Policy Protects

Lockton says its programs can cover trustees, employees, independent contractors, committee members, volunteers, subsidiaries, spouses and estates, not just directors and officers. That matters if you run a nonprofit or a board with outside volunteers. Alliance Risk explains only the three standard sides: Side A for individuals the company can't indemnify, Side B for company reimbursement and Side C for the company's own liability. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")

## What Should You Confirm in Alliance Risk and Lockton D&O Insurance Quotes?

- Ask Lockton for premium, limit and retention figures early; its D&O page publishes none. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Ask Alliance Risk who helps you if a claim is disputed. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")
- List every person and entity you need insured and check each proposal covers them. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")
- Neither page names an insurer, so get the issuing company in writing on both proposals. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## Alliance Risk vs Lockton D&O Insurance Compared

| Criteria | Alliance Risk Directors & Officers (D&O) Insurance | Lockton Directors & Officers (D&O) Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | Alliance Risk says D&O is relevant to venture-backed and public companies, high-risk industries such as fintech, healthcare, real estate and financial services, companies going through M&A, IPO or leadership changes, nonprofits, and small private companies without outside investors. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; eligibility for a particular company depends on underwriting..)<br><br>Alliance Risk says a company should turn on D&O coverage at its first priced funding round, because institutional investment brings personal exposure for directors and officers from day one. [2](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's program-staging guidance, describing D&O specifically among the three bundled lines..) | 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. [3](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 | Alliance Risk describes D&O policies it places as having three parts: Side A for individual directors and officers when the company cannot indemnify them, Side B reimbursing the company for indemnification costs, and Side C covering the company directly for certain liabilities. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; actual policy structure and whether sides are combined or separately limited depend on the carrier and the policy as issued..)<br><br>Alliance Risk lists standard D&O exclusions it sees, including fraud and intentional misconduct, criminal acts, bodily injury and property damage, and often prior acts before the policy started; it says employment practices and ERISA benefit-plan claims are typically excluded and need separate EPLI or fiduciary liability coverage. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; exclusion wording varies by carrier and the policy as issued..) | 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). [3](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..) |
| Role in This Line | Alliance Risk places D&O insurance as a broker: it reviews a company's existing D&O program and markets the risk to carriers that specialize in management liability. [1](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; Alliance Risk does not underwrite the policy itself..) | 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. [3](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..) |

## About Alliance Risk and Lockton and D&O Insurance

- [Alliance Risk company profile](https://spot.insure/insurance-providers/alliance-risk) · [Alliance Risk customer reviews](https://spot.insure/insurance-providers/alliance-risk/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Alliance Risk vs Lockton D&O Insurance

- [Alliance Risk vs Lockton](https://spot.insure/compare/alliance-risk-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.
- [Alliance Risk D&O Insurance](https://spot.insure/insurance-providers/alliance-risk/directors-officers)
- [Lockton D&O Insurance](https://spot.insure/insurance-providers/lockton/directors-officers)

## Sources for Alliance Risk vs Lockton D&O Insurance

### Sources About Alliance Risk

1. [Directors & Officers Insurance (D&O)](https://joinalliancerisk.com/directors-officers-insurance-do/). Alliance Risk; D&O Insurance: Protecting Directors and Officers From Personal Liability; The Three Sides of D&O Coverage; What D&O Insurance Does NOT Cover; Who Needs D&O Insurance?; D&O Insurance Cost: What to Expect; How to Buy D&O Insurance; Get Your D&O Risk Review. Accessed 2026-09-23.
2. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; The shared limit problem; How to structure the program as you scale. Accessed 2026-09-23.

### Sources About Lockton

3. [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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/alliance-risk-vs-lockton/directors-officers.md)
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