---
title: "Coverdash vs Lockton D&O Insurance"
description: "Coverdash brokers standalone D&O digitally; Lockton designs Side A/B/C towers with claims counsel in the broking team."
canonical: "https://spot.insure/compare/coverdash-vs-lockton/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Coverdash vs Lockton D&O Insurance

Coverdash brokers standalone D&O digitally; Lockton designs Side A/B/C towers with claims counsel in the broking team.

## Research Scope and Use

Use this comparison to evaluate Coverdash 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

Coverdash arranges standalone D&O as a broker through a fully digital quote-to-purchase process and does not name the insurer. Lockton designs and places D&O programs rather than underwriting them, describing Side A, B and C structures and integrating Professional & Executive Risk claims counsel in the broking team from the start. [3](https://www.coverdash.com/terms "Terms And Conditions") [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## What Is Coverdash Insurance?

Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. [1](https://www.coverdash.com/faq "Frequently Asked Questions") [2](https://www.coverdash.com/about "About Us") [3](https://www.coverdash.com/terms "Terms And Conditions")

[Coverdash profile](https://spot.insure/insurance-providers/coverdash)

## 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

### Digital Purchase Versus Program Design

Coverdash arranges standalone D&O as a broker through a fully digital quote-to-purchase process. Lockton designs and places D&O programs rather than underwriting them, citing market intelligence, coverage-design precision and emerging risks such as AI-related litigation. A Coverdash path is digital brokerage of a standalone (or bundled) product; a Lockton path is program design and placement. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") [3](https://www.coverdash.com/terms "Terms And Conditions") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### How Each Describes the Coverage Structure

Coverdash describes coverage as protecting directors, officers and the company against leadership-decision harm, investor or shareholder suits, and regulatory investigations. Lockton can structure Side A, Side B and Side C, with Side C generally limited to securities claims for public companies but broader for private and nonprofit organizations. Coverdash’s cards are claim types; Lockton’s page is a side-structure. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### Who Is Named as an Insured Person

Lockton says coverage it places can extend beyond directors and officers to trustees, employees, contractors, committee members, volunteers, subsidiaries, spouses and estates. Coverdash’s coverage cards name directors, officers and the company. Ask Lockton who among those extra persons would be insured; confirm Coverdash’s quoted named insureds separately. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance")

## What to Confirm in D&O Insurance Quotes

- Ask both which carrier would issue the policy. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

- Ask Coverdash whether you are quoting standalone D&O or the management-liability bundle. Keep Coverdash’s digital bind next to Lockton’s tower design. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance")

- Ask Lockton whether Side C is limited to securities claims if you are public, and who among trustees, volunteers, spouses and heirs would be insured persons. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

- Get dollar limits from the Coverdash quote, which the public D&O page does not show, and from the Lockton placed tower. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## Offering Details

| Criteria | Coverdash Directors & Officers Insurance | Lockton Directors & Officers (D&O) Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | 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](https://www.coverdash.com/terms "Terms And Conditions") [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [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 | The directors and officers page does not name the insurer that issues the policy. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") (Evidence: Not publicly disclosed; scope: 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. [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 | 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. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [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 | 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. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") (Evidence: Company-reported; scope: Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions..)<br><br>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. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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). [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 | The directors and officers page does not publish specific limit, retention or deductible amounts. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") (Evidence: Not publicly disclosed; scope: 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. |
| How to Apply | Coverdash describes a fully digital quote-to-purchase process for directors and officers coverage, with the option to add other coverages alongside it. [4](https://www.coverdash.com/coverage/directors-and-officers "Directors & Officers Insurance") (Evidence: Company-reported; scope: Product-page company information and cross-sell section..) | 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

- [Coverdash vs Lockton](https://spot.insure/compare/coverdash-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.
- [Coverdash vs Lockton Cargo and Transit Insurance](https://spot.insure/compare/coverdash-vs-lockton/cargo-transit)
- [Coverdash vs Lockton Commercial Property Insurance](https://spot.insure/compare/coverdash-vs-lockton/commercial-property)
- [Coverdash vs Lockton Crime Insurance](https://spot.insure/compare/coverdash-vs-lockton/crime)
- [Coverdash vs Lockton Cyber Insurance](https://spot.insure/compare/coverdash-vs-lockton/cyber)
- [Coverdash vs Lockton Employment Practices Liability Insurance](https://spot.insure/compare/coverdash-vs-lockton/employment-practices)
- [Coverdash vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/coverdash-vs-lockton/fiduciary)
- [Coverdash vs Lockton General Liability Insurance](https://spot.insure/compare/coverdash-vs-lockton/general-liability)
- [Coverdash vs Lockton Product Liability Insurance](https://spot.insure/compare/coverdash-vs-lockton/product-liability)
- [Coverdash vs Lockton Representations and Warranties Insurance](https://spot.insure/compare/coverdash-vs-lockton/representations-warranties)
- [Coverdash vs Lockton Surety Bonds](https://spot.insure/compare/coverdash-vs-lockton/surety-bonds)
- [Coverdash vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/coverdash-vs-lockton/workers-compensation)
- [Alliance Risk vs Coverdash D&O Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/directors-officers)
- [Alliance Risk vs Lockton D&O Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/directors-officers)
- [Amelia Risk vs Coverdash D&O Insurance](https://spot.insure/compare/amelia-risk-vs-coverdash/directors-officers)
- [Amelia Risk vs Lockton D&O Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/directors-officers)
- [Beazley vs Coverdash D&O Insurance](https://spot.insure/compare/beazley-vs-coverdash/directors-officers)
- [Beazley vs Lockton D&O Insurance](https://spot.insure/compare/beazley-vs-lockton/directors-officers)

## Sources

### Coverdash

1. [Frequently Asked Questions](https://www.coverdash.com/faq). Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
2. [About Us](https://www.coverdash.com/about). Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
3. [Terms And Conditions](https://www.coverdash.com/terms). Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
4. [Directors & Officers Insurance](https://www.coverdash.com/coverage/directors-and-officers). Coverdash; Product introduction; Types of Coverage cards for Management decisions, Investor and shareholder claims, Regulatory actions, Legal defense; Who It's For. Accessed 2026-09-23.
5. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Professional & Management category listing Directors & Officers separately from Management Liability, D&O Side A and the D&O + EPLI Bundle. 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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