HUB International vs Lockton: How Do They Compare for D&O Insurance?

HUB International brokers D&O for private, public, and nonprofit organizations and offers specialist claims support; Lockton designs programs that can extend to related entities.

Both brokers give you claims attorneys: HUB's ProEx group reviews policy wording before a claim, while Lockton puts claims counsel on your broking team from day one and lists who its programs can cover, down to volunteers and spouses. ^2,³

What Are the Key Differences Between HUB International and Lockton D&O Insurance?

Who the Program Covers

HUB markets D&O by company type: private companies, nonprofits with advisory boards or committees, and public companies with shareholders, and says the coverage it arranges includes employment-related suits. Lockton lists the people its programs can extend to beyond directors and officers: trustees, employees, contractors, committee members, volunteers, subsidiaries, spouses and estates. It also notes entity cover is usually limited to securities claims for public companies but broader for private companies and nonprofits. ¹ ³

When Claims Counsel Gets Involved

HUB's Claims & Legal Risks Group, staffed by attorneys, works from pre-claim wording review through recovery. Lockton says claims counsel sits inside your broking team from the start rather than as a separate profit center, and that it tracks emerging risks such as AI-related litigation. ² ³

What Should You Confirm in HUB International and Lockton D&O Insurance Quotes?

Ask each broker which insurer it would use, plus the limit and retention; neither publishes them. ² ³
If volunteers, contractors or spouses need protection, ask HUB whether its placement covers them as Lockton's can. ³
Ask who your named claims attorney is before you bind. ² ³

HUB International vs Lockton D&O Insurance Compared

HUB International vs Lockton: D&O Insurance: documented features by provider

Criteria	HUB International Directors and Officers Insurance Brokerage	Lockton Directors & Officers (D&O) Insurance Brokerage
Who It’s For	HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. ¹Company-reported. D&O product page target-market description; not an underwriting appetite statement.	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	HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. ¹Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. ¹Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.	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	HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. ^1,²Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.	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.
Claims Support	HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ²Company-reported. ProEx page claims and legal support section.	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. ³Company-reported. D&O product page as read 2026-09-23.