---
title: "Coalition vs Lockton: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-lockton/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-lockton"
provider-a: "coalition"
provider-b: "lockton"
coverage-line: "directors-officers"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: D&O Insurance. Providers: Coalition 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 2026-09-29.

**Related pages:**
- [Coalition vs Lockton](https://spot.insure/compare/coalition-vs-lockton) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 sells a ready-made D&O program up to $10 million for private companies and nonprofits under 1,000 employees; Lockton builds custom D&O programs with claims counsel on your broking team.

## Coalition vs Lockton D&O Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

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

- Ask Lockton which insurers are quoting and how limits are split across Sides A, B and C; its page names neither. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Ask both how the proposed wording treats AI-related claims. [3](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Ask whether a Coalition quote is written by Zurich American on an admitted basis or by another insurer. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## Coalition vs Lockton D&O Insurance Compared

| 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. [1](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. [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 | Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. [1](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). [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 | Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [1](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. [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 Coalition and Lockton and D&O Insurance

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

- [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): 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.
- [Coalition D&O Insurance](https://spot.insure/insurance-providers/coalition/directors-officers)
- [Lockton D&O Insurance](https://spot.insure/insurance-providers/lockton/directors-officers)

## Sources for Coalition vs Lockton D&O Insurance

### Sources About Coalition

1. [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.
2. [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.

### 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 2026-09-29. 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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