Coalition vs 
Lockton: How Do They Compare for D&O Insurance?
Lockton designs and places D&O programs and offers specialist claims support; Coalition distributes Executive Risks through appointed brokers, with up to $10 million per line potentially available.
Coalition's D&O is a set program with limits up to $10 million for private and nonprofit organizations under 1,000 employees; Lockton designs custom D&O programs and puts claims counsel on your broking team from day one. 1,3
What Are the Key Differences Between Coalition and Lockton D&O Insurance?
Set Program With Size Limits vs Custom-Built Coverage
Coalition's D&O is one of four Executive Risks coverages, available through appointed brokers to U.S. private and nonprofit organizations with up to $500 million in assets and 1,000 employees. Lockton designs a D&O program around you, structuring Sides A, B and C and extending cover to trustees, contractors, volunteers, subsidiaries, spouses and estates. Choose Coalition if you're a smaller private company or nonprofit that wants a standard program with HR tools; choose Lockton if you're public, larger than Coalition's limits, or need more than $10 million. 1 3
Claims Counsel vs Prevention Tools
Lockton puts insurance and claims counsel on your broking team from the start, and says it watches emerging risks such as AI-related litigation and event-driven claims. Coalition's extras come before a claim: a risk assessment, a hotline for HR and director/officer issues, training and a handbook builder. 3 1
What Should You Confirm in Coalition and Lockton D&O Insurance Quotes?
Coalition vs Lockton D&O Insurance Compared
Coalition vs Lockton: D&O Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Directors and Officers Liability (D&O) | Lockton Directors & Officers (D&O) Insurance Brokerage |
|---|---|---|
| Who It’s For | Coalition says Executive Risks products, including D&O, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. 1Company-reported. Executive Risks FAQ as read on 2026-09-23. | 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. 3Company-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 | Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. 1Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms. | 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). 3Company-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 | Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 1Company-reported. Executive Risks product page as read on 2026-09-23. | 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. 3Company-reported. D&O product page as read 2026-09-23. |
