---
title: "Amelia Risk vs Lockton: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/amelia-risk-vs-lockton/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "amelia-risk-vs-lockton"
provider-a: "amelia-risk"
provider-b: "lockton"
coverage-line: "directors-officers"
---

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

## Agent Guide

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

**Key facts:**
- Line: D&O Insurance. Providers: Amelia 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:**
- [Amelia Risk vs Lockton](https://spot.insure/compare/amelia-risk-vs-lockton) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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.

Lockton gives you in-house claims counsel as part of its D&O brokerage, while Amelia Risk is a startup-focused broker that times D&O around your fundraise.

## Amelia Risk vs Lockton D&O Insurance Summary

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](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [7](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Amelia Risk's reviewed sources describe no comparable claims team; its material focuses on startups buying D&O before a round. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability")

### 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") 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](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG")

## 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](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability")
- Ask both brokers for the policy's list of insureds, including employees, interns, contractors and subsidiaries. [7](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG")
- Neither names its insurers, so get the issuing company on each quote. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [7](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- If AI-related claims worry you, ask Lockton to show where its program wording addresses them. [7](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## Amelia Risk vs Lockton D&O Insurance Compared

| 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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [4](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [5](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [6](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement..)<br><br>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](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") (Evidence: Company-reported; scope: D&O product page description; the actual policy wording, definitions, and exclusions depend on the issuing insurer and the client's declarations..)<br><br>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. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Podcast Episode – Beyond The Certificate With Startup CPG") (Evidence: Company-reported; scope: 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). [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..) |
| 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. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors and Officers Liability") (Evidence: Company-reported; scope: 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. [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..) |

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

- [Amelia Risk company profile](https://spot.insure/insurance-providers/amelia-risk) · [Amelia Risk customer reviews](https://spot.insure/insurance-providers/amelia-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 Amelia Risk vs Lockton D&O Insurance

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

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

### Sources About Amelia Risk

1. [Directors and Officers Liability](https://ameliarisk.com/insurance-policies/directors-and-officers/). Amelia Risk Insurance Brokers; What's covered by a Directors & Officers Liability (D&O) Policy?; When should a company buy a Directors & Officers Liability (D&O) Policy?. Accessed 2026-09-23.
2. [Podcast Episode – Beyond The Certificate With Startup CPG](https://ameliarisk.com/blog/beyond-the-certificate/). Amelia Risk Insurance Brokers; Danielle Holyoake (CRO and co-founder) on D&O: why it comes up during fundraising, who it protects, when claims typically arise, underwriting timing of days to a few weeks with complete information, budgeting two to three weeks, and the caution against waiting until a transaction is imminent. Accessed 2026-09-23.
3. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
4. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
5. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.
6. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: Directors & Officers Liability (D&O). Accessed 2026-09-23.

### Sources About Lockton

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.

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/amelia-risk-vs-lockton/directors-officers.md)
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