Kinro vs 
Lockton: How Do They Compare for D&O Insurance?
For startups seeking D&O placement, Kinro gathers ownership details for quotes; Lockton designs programs that can include related entities.
Kinro matches startups and funded companies to a D&O carrier using your funding stage, cap table and lender requirements. Lockton designs a full Side A, B and C program and puts its claims counsel alongside the brokers from the start. 1,2
What Are the Key Differences Between Kinro and Lockton D&O Insurance?
Carrier Match for Funded Companies vs Full Program Design
Kinro says D&O usually comes up when outside investors, a formal board, debt covenants or a contract require it. To quote, it collects ownership, funding stage, board structure, revenue, headcount, prior claims and investor or lender requirements, and may fold EPLI or fiduciary into a management-liability program. 1 Lockton explains Side A (individuals when the company can't pay), Side B (reimbursing the company) and Side C (the company itself), noting Side C is usually limited to securities claims for public companies but broader for private and nonprofit ones. 2 Choose Kinro if you're a startup that needs D&O to satisfy an investor, lender or contract; choose Lockton if you're a larger or public organization that needs Sides A, B and C structured and claims counsel involved from the start. 1 2
Who Can Be Covered and Who Helps at Claim Time
Lockton says programs it places can cover trustees, employees, contractors, volunteers, subsidiaries, spouses and estates, and its Professional & Executive Risk Claims team works inside the broking team. 2 Kinro doesn't describe a claims team, so ask who helps you when a claim arrives. 1
What Should You Confirm in Kinro and Lockton D&O Insurance Quotes?
- Ask Lockton how it would set Side A, B and C for your company type. 2
- Ask Kinro whether EPLI or fiduciary would be bound with D&O and whether they share a limit. 1
- Confirm who counts as an insured person, including subsidiaries and estates. 2
- Neither names insurers or publishes limits, so get the carrier, limits and retentions on both quotes. 1 2
Kinro vs Lockton D&O Insurance Compared
Kinro vs Lockton: D&O Insurance: documented features by provider
| Criteria | Kinro Directors & Officers | Lockton Directors & Officers (D&O) Insurance Brokerage |
|---|---|---|
| Who It’s For | Kinro says D&O commonly fits startups, funded companies, boards and executive teams, and typically comes up when a business has outside investors, a formal board or debt covenants, or a financing or customer contract requires management liability coverage. 1Company-reported. Directors & Officers page "Common fit" and "Triggers" sections. | 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. 2Company-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 | Kinro says D&O placements typically address claims involving management decisions, governance, investors or executives, and that a management-liability program may also fold in EPLI (employment practices) or fiduciary coverage. 1Company-reported. Directors & Officers page "Coverage" section; actual terms depend on the carrier and policy placed. | 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). 2Company-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 | Kinro is a broker: it matches a business to a D&O carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. 1Company-reported. Directors & Officers page "Routing" and "Market fit" sections. | 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. 2Company-reported. D&O product page as read 2026-09-23. |
