---
title: "Coalition vs Lockton D&O Insurance"
description: "Coalition’s Executive Risks D&O is a $10 million private/NFP program with HR tools; Lockton designs Side A/B/C towers and flags AI-related D&O litigation."
canonical: "https://spot.insure/compare/coalition-vs-lockton/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Coalition vs Lockton D&O Insurance

Coalition’s Executive Risks D&O is a $10 million private/NFP program with HR tools; Lockton designs Side A/B/C towers and flags AI-related D&O litigation.

## Research Scope and Use

Use this comparison to evaluate Coalition and Lockton for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Coalition designs D&O inside Executive Risks for private and not-for-profit U.S. organizations under size gates, sold through appointed brokers with Zurich admitted paper available, while Lockton designs and places D&O programs, describing Side A, B and C structure, an extended insured list, and a Professional & Executive Risk Claims team embedded in the broking team. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [2](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [3](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [6](https://global.lockton.com/us/en "Lockton United States") [7](https://global.lockton.com/us/en/technology "Technology") [8](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Manufactured Suite Versus Designed Tower

Coalition designs D&O as one of four Executive Risks coverages, sold only through appointed brokers, with Zurich American as the admitted carrier and unaffiliated insurers on some placements. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") Lockton does not underwrite that suite; it designs and places D&O towers. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

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. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Lockton’s reviewed materials do not name the insurers it uses. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Lockton can build a multi-market tower; Coalition’s quote is Executive Risks on Zurich or surplus paper.

### Who Can Be an Insured

Lockton says D&O it places can extend to trustees, employees, independent contractors, staff, committee members, volunteers, the corporate entity, majority-owned subsidiaries, spouses or domestic partners, and estates or heirs. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Coalition says Executive Risks D&O is for private and not-for-profit U.S. organizations with up to $500 million in assets and up to 1,000 employees. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

Lockton also explains Side A, B and C. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Coalition describes cover as protection for leadership from alleged breaches of duty or financial mismanagement, with limits up to $10 million per line. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### Claims Counsel Versus Governance Tools

Lockton says its Professional & Executive Risk Claims team integrates insurance and claims counsel within the broking team from the start rather than treating claims advocacy as a separate profit center. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Coalition lists a customized risk assessment, HR and director/officer hotline, training, handbook builder and website tools. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") Those extras sit in different places: Lockton’s claims counsel inside the broker team; Coalition’s HR and governance tools around the policy.

## What to Confirm in D&O Insurance Quotes

- Ask Lockton which markets are quoting and how Side A, B and C limits are split. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Confirm Coalition private/NFP and size eligibility if Executive Risks is a layer. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Ask how AI-related and event-driven claim language is treated on each form. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Ask whether Coalition paper is Zurich admitted or unaffiliated. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## Offering Details

| Criteria | Coalition Executive Risks — Directors and Officers Liability (D&O) | Lockton Directors & Officers (D&O) Insurance Brokerage |
| --- | --- | --- |
| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](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..) |
| Issuing Insurer | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific D&O policy depends on the placement route. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23..) | The D&O page does not name the insurers Lockton places D&O coverage with. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Not publicly disclosed; scope: D&O product page checked 2026-09-23..) |
| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](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 | Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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). [9](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..) |
| Limits and Retentions | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including D&O, subject to exclusions and limitations. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant..) | Not described in the reviewed sources. |
| Risk Services | Coalition says Executive Risks policyholders, including D&O buyers, get a customized risk assessment, a hotline for assistance with HR and director/officer-related issues, employee training, a handbook builder, and website compliance tools. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks page and FAQ as read on 2026-09-23..) | Not described in the reviewed sources. |
| How to Apply | Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | Lockton says its Professional & Executive Risk Claims team integrates experienced insurance and claims counsel within the broking team from the start of the relationship, rather than treating claims advocacy as a separate profit center. [9](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..) |

## Full Comparison

- [Coalition vs Lockton](https://spot.insure/compare/coalition-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Coalition vs Lockton Crime Insurance](https://spot.insure/compare/coalition-vs-lockton/crime)
- [Coalition vs Lockton Cyber Insurance](https://spot.insure/compare/coalition-vs-lockton/cyber)
- [Coalition vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-lockton/employment-practices)
- [Coalition vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/coalition-vs-lockton/fiduciary)
- [Alliance Risk vs Coalition D&O Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/directors-officers)
- [Alliance Risk vs Lockton D&O Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/directors-officers)
- [Amelia Risk vs Coalition D&O Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/directors-officers)
- [Amelia Risk vs Lockton D&O Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/directors-officers)
- [Beazley vs Coalition D&O Insurance](https://spot.insure/compare/beazley-vs-coalition/directors-officers)
- [Beazley vs Lockton D&O Insurance](https://spot.insure/compare/beazley-vs-lockton/directors-officers)

## Sources

### Coalition

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
2. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
3. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
4. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering: Directors and Officers Liability (D&O) — offers protection for company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders?. Accessed 2026-09-23.
5. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.

### Lockton

6. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
7. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
8. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
9. [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.

### D&O Insurance Guide

10. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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