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

Lockton structures D&O programs that can include trustees, employees, and other roles, with a specialist claims team; Amelia Risk arranges policies for startups and technology companies.

Both broker D&O, but Lockton puts a Professional & Executive Risk Claims team of insurance and claims counsel on your account from day one. Amelia Risk publishes no claims team; its co-founder says the policies she sells usually treat employees and even interns as insureds. ^2,^1,⁷

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

Claims Counsel on the Account vs a Startup Broker

When a shareholder or regulator claim arrives, Lockton's counsel are already on your file, so you aren't briefing a new team while deadlines run. ⁷ Amelia Risk's reviewed sources describe no comparable claims team; its material focuses on startups buying D&O before a round. ¹ ² Choose Lockton if you want claims advocacy built into the brokerage or cover for AI-related litigation risk; choose Amelia Risk if you are a venture-backed startup buying your first D&O. ⁷ ¹

How Far Cover Reaches Beyond the Board

Lockton says its programs can extend to trustees, employees, independent contractors, committee members, volunteers, subsidiaries, spouses and estates, which suits nonprofits and groups with outside committees. ⁷ Amelia Risk's co-founder speaks only to the policies she has sold, which she says typically define directors and officers broadly enough to catch employees and interns. ²

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

Ask Amelia Risk who represents you with the insurer if a claim is disputed. ¹
Ask both brokers for the policy's list of insureds, including employees, interns, contractors and subsidiaries. ⁷ ²
Neither names its insurers, so get the issuing company on each quote. ¹ ⁷
If AI-related claims worry you, ask Lockton to show where its program wording addresses them. ⁷

Amelia Risk vs Lockton D&O Insurance Compared

Amelia Risk vs Lockton: D&O Insurance: documented features by provider

Criteria	Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage	Lockton Directors & Officers (D&O) Insurance Brokerage
Who It’s For	Amelia Risk lists D&O among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^3,^4,^5,⁶Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk says most companies consider D&O once they've taken outside funding, that Series A term sheets usually require it, and that it's becoming more common to see D&O bought at the seed stage as seed rounds grow larger. ^1,²Company-reported. D&O product page timing guidance, restated in more detail by co-founder Danielle Holyoake in the company's podcast episode.	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. ⁷Company-reported. 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	Amelia describes the D&O policy as covering the individual directors and officers, the board, and the entity, with claims typically alleging mismanagement and most often coming from shareholders, though they can also come from regulators, competitors, or employees. ¹Company-reported. D&O product page description; the actual policy wording, definitions, and exclusions depend on the issuing insurer and the client's declarations. In the company's podcast, co-founder Danielle Holyoake says the D&O policies she has reviewed and sold generally define "directors and officers" broadly enough to include employees and even interns, rather than naming specific individuals on the policy. ²Company-reported. Her description of policies she has personally reviewed and sold, not a specimen form or a statement about every D&O policy Amelia places.	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). ⁷Company-reported. D&O product page as read 2026-09-23. General educational description of program structure, not a specimen policy form.
Role in This Line	Amelia Risk arranges D&O liability coverage for clients, describing and structuring the policy around protecting individual directors and officers, the board, and the company entity, rather than underwriting it directly. ¹Company-reported. D&O product page as of 23 September 2026. Does not establish who issues a particular client's policy.	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. ⁷Company-reported. D&O product page as read 2026-09-23.

Criteria

Amelia Risk Directors & Officers (D&O) Liability Insurance Brokerage

Lockton Directors & Officers (D&O) Insurance Brokerage

Who It’s For

Amelia Risk lists D&O among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. ^3,^4,^5,⁶Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk says most companies consider D&O once they've taken outside funding, that Series A term sheets usually require it, and that it's becoming more common to see D&O bought at the seed stage as seed rounds grow larger. ^1,²Company-reported. D&O product page timing guidance, restated in more detail by co-founder Danielle Holyoake in the company's podcast episode.

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. ⁷Company-reported. 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

Amelia describes the D&O policy as covering the individual directors and officers, the board, and the entity, with claims typically alleging mismanagement and most often coming from shareholders, though they can also come from regulators, competitors, or employees. ¹Company-reported. D&O product page description; the actual policy wording, definitions, and exclusions depend on the issuing insurer and the client's declarations.

In the company's podcast, co-founder Danielle Holyoake says the D&O policies she has reviewed and sold generally define "directors and officers" broadly enough to include employees and even interns, rather than naming specific individuals on the policy. ²Company-reported. Her description of policies she has personally reviewed and sold, not a specimen form or a statement about every D&O policy Amelia places.

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). ⁷Company-reported. D&O product page as read 2026-09-23. General educational description of program structure, not a specimen policy form.

Role in This Line

Amelia Risk arranges D&O liability coverage for clients, describing and structuring the policy around protecting individual directors and officers, the board, and the company entity, rather than underwriting it directly. ¹Company-reported. D&O product page as of 23 September 2026. Does not establish who issues a particular client's policy.

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. ⁷Company-reported. D&O product page as read 2026-09-23.