Coverdash vs Lockton D&O Insurance

Coverdash arranges standalone directors and officers coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,4Company-reported. General brokerage terms applied to the D&O page; not specific to any one carrier or state.

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. ⁹Company-reported. D&O product page as read 2026-09-23.

The directors and officers page does not name the insurer that issues the policy. ⁴Not publicly disclosed. Reviewed directors and officers page as of 2026-09-23; the page describes coverage without naming a specific carrier.

The D&O page does not name the insurers Lockton places D&O coverage with. ⁹Not publicly disclosed. D&O product page checked 2026-09-23.

Coverdash says any company with a board, investors or executives making decisions on its behalf needs D&O, and that it is frequently required as a condition of funding. ⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and the specific funding or governance situation.

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. ⁹Company-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.

Coverdash describes directors and officers coverage as protecting the company's directors, officers and the company itself against claims that a leadership decision caused financial harm, suits from investors or shareholders, and regulatory investigations, and pays defense costs and settlements for covered claims. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash sells this standalone Directors & Officers product separately from its bundled management liability product, which adds optional employment-practices, fiduciary and crime coverage on top of the D&O core. ⁴Company-reported. Comparison of the directors-and-officers and management-liability product pages; does not establish which structure is cheaper or better suited to a given company.

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). ⁹Company-reported. D&O product page as read 2026-09-23. General educational description of program structure, not a specimen policy form.

The directors and officers page does not publish specific limit, retention or deductible amounts. ⁴Not publicly disclosed. Reviewed directors and officers page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

Not described in the reviewed sources.

Coverdash describes a fully digital quote-to-purchase process for directors and officers coverage, with the option to add other coverages alongside it. ⁴Company-reported. Product-page company information and cross-sell section.

Not described in the reviewed sources.

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. ⁹Company-reported. D&O product page as read 2026-09-23.