---
title: "HUB International vs Lockton D&O Insurance"
description: "HUB’s ProEx D&O page names private, nonprofit and public buyers; Lockton structures Side A, B and C and names an integrated claims team."
canonical: "https://spot.insure/compare/hub-international-vs-lockton/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

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

# HUB International vs Lockton D&O Insurance

HUB’s ProEx D&O page names private, nonprofit and public buyers; Lockton structures Side A, B and C and names an integrated claims team.

## Research Scope and Use

Use this comparison to evaluate HUB International 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

HUB brokers D&O through ProEx for private, nonprofit and public clients and describes personal-asset, defense and employment protection, while Lockton designs Side A/B/C programs and says claims counsel sits inside the broking team from the start. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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

### How Each Broker Describes the Form

HUB describes the D&O it arranges in three practical buckets: personal-asset protection for judgments after an alleged breach of duty, loyalty or care; defense in civil, criminal, administrative, regulatory or arbitration proceedings; and workplace and employment protection. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") Lockton describes a traditional program as Side A (individuals when the company cannot indemnify), Side B (company reimbursement) and Side C (entity cover, generally securities-only for public companies and broader for private and nonprofit organizations). [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### Who Can Be an Insured

HUB’s eligibility copy is by company type: private, nonprofit and public. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") Lockton lists people and entities a program it places can extend to, including trustees, employees, independent contractors, volunteers, majority-owned subsidiaries, spouses and estates. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### Claims Staffing

Both name specialized claims help rather than issuing the policy themselves. HUB’s ProEx Claims & Legal Risks Group is staffed by attorneys and describes support from pre-claim wording review through recovery. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") Lockton says its Professional & Executive Risk Claims team puts insurance and claims counsel inside the broking team from the start of the relationship, rather than treating advocacy as a separate profit center. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Neither reviewed D&O page names the issuing insurer. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## What to Confirm in D&O Insurance Quotes

- Ask both brokers to map Side A, B and C (or equivalent) on the actual form, since HUB’s public copy uses different labels than Lockton’s. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Confirm who is an insured person or entity, especially subsidiaries, volunteers and estates that Lockton lists. [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Ask how claims counsel is assigned on day one versus after a notice of claim. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Get the carrier name, limits and retentions on both quotes; those figures are not published on the reviewed pages. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [9](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## Offering Details

| Criteria | HUB International Directors and Officers Insurance Brokerage | Lockton Directors & Officers (D&O) Insurance Brokerage |
| --- | --- | --- |
| 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. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [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 D&O product page and the ProEx coverage list do not name an issuing insurer for D&O policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote..) | 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 | 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. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [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 | 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. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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). [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 | Published D&O policy limits or retentions were not found on the reviewed pages. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations..) | Not described in the reviewed sources. |
| Risk Services | HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single D&O engagement..) | Not described in the reviewed sources. |
| How to Apply | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. [4](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: D&O product page call to action..) | Not described in the reviewed sources. |
| 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. [5](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [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

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

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
5. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-lockton/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)