---
title: "Chubb vs Lockton: D&O Insurance"
description: "Chubb's ForeFront Portfolio 3.0 is a ready-made D&O and entity form for smaller private companies, with an optional extra $500,000 Side A limit. Lockton designs your program across insurers, splitting Side A, B and C, and has a claims team working alongside its brokers."
canonical: "https://spot.insure/compare/chubb-vs-lockton/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-lockton"
provider-a: "chubb"
provider-b: "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 insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, 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://spot.insure/compare/chubb-vs-lockton/directors-officers)

## Agent Guide

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

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

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

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

Lockton designs and places D&O programs with coverage options for trustees and employees; Chubb insures D&O directly for smaller private companies, with published shareholder-demand and limits for executives.

Chubb sells one ready-made D&O form for small private companies, while Lockton is a broker that builds a custom Side A/B/C program across insurers and keeps its own claims team.

## Chubb vs Lockton D&O Insurance Summary

Chubb's ForeFront Portfolio 3.0 is a ready-made D&O and entity form for smaller private companies, with an optional extra $500,000 Side A limit. Lockton designs your program across insurers, splitting Side A, B and C, and has a claims team working alongside its brokers. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

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

### One Insurer's Form vs a Program Built Across Insurers

A ForeFront quote is Chubb's own policy with fixed wording. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") Lockton doesn't underwrite; it designs and places your program with insurers it doesn't name on its D&O page, so the wording and insurer depend on who it binds. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Choose Chubb if you're a smaller private company that wants a standard, well-defined form; choose Lockton if you need Side A, B and C limits split to fit your board or want a broker's claims team on your side. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### Who Counts as Insured

Lockton says the programs it places can cover trustees, employees, independent contractors, committee members, volunteers, the company, majority-owned subsidiaries, spouses or domestic partners, and estates or heirs, not just directors and officers. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Chubb's form covers the parent company, subsidiaries, directors and officers (including foreign equivalents), advisory board members and volunteers worldwide, and automatically covers your people sitting on nonprofit boards. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") If contractors or family members need cover, you have to ask Lockton for it; with Chubb, check the form.

### How Side A Protection Works

Lockton explains Side A as paying individuals when the company can't indemnify them, Side B as reimbursing the company, and Side C as covering the company itself. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Chubb adds a concrete option: an extra $500,000 Side A limit reserved for individuals. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance")

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

- Ask Lockton which insurers are quoting and how the Side A, B and C limits are split. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Confirm the Chubb quote is ForeFront 3.0 and whether the extra $500,000 Side A limit is included. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance")
- If Lockton uses ForeFront as one layer, check how Chubb's $500,000 sublimits fit the overall tower. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance")
- Ask how each bound form treats AI-related and event-driven claims. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## Chubb vs Lockton D&O Insurance Compared

| Criteria | Chubb ForeFront Portfolio 3.0 Directors & Officers and Entity Liability Insurance | Lockton Directors & Officers (D&O) Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | Chubb aims this D&O product at smaller private companies and offers separate versions for not-for-profit and healthcare organizations in its ForeFront Portfolio. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: ForeFront Portfolio 3.0 D&O page opening description; ForeFront Portfolio page coverage list..) | 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 | Chubb lists a broad definition of Insured covering the parent organization, subsidiaries, directors or officers (including foreign equivalents), advisory board members and volunteers worldwide; automatic not-for-profit outside-directorship coverage; a broad definition of Claim including written demands, civil and criminal proceedings, and extradition requests; and civil fines and penalties coverage where insurable, including FCPA civil penalties. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list; subject to the policy as issued..)<br><br>Chubb says the policy uses a streamlined insured-versus-insured exclusion with exceptions (including financial impairment, former executives after one year, and whistleblower and employment claims) and conduct exclusions that require final non-appealable adjudication before they apply. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list, exclusion-related bullets..)<br><br>Chubb says the policy provides private-placement and failed-IPO coverage, a full Side A carve-back to the pollution exclusion, and a guaranteed IPO quotation including coverage for road-show presentations. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list..) | 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 | Chubb underwrites D&O and Entity Liability directly through ForeFront Portfolio 3.0, describing this specific version as designed for directors and officers of smaller, privately held companies. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") (Evidence: Company-reported; scope: ForeFront Portfolio 3.0 D&O and Entity Liability product page..) | 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 Chubb and Lockton and D&O Insurance

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

- [Chubb vs Lockton](https://spot.insure/compare/chubb-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.
- [Chubb D&O Insurance](https://spot.insure/insurance-providers/chubb/directors-officers)
- [Lockton D&O Insurance](https://spot.insure/insurance-providers/lockton/directors-officers)

## Sources for Chubb vs Lockton D&O Insurance

### Sources About Chubb

1. [ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html). Chubb; Coverage Highlights: Directors & Officers (D&O) and Entity Liability list, including Insured definition, sublimits, Side A coverage, Claim definitions, conduct and insured-v-insured exclusions, IPO coverage. Accessed 2026-09-23.
2. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; ForeFront Portfolio's seven coverages; Directors & Officers and Entity Liability listed for private companies, not-for-profit and healthcare organizations; Chubb Marketplace quoting. 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/chubb-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)