---
title: "Kinro vs Lockton D&O Insurance"
description: "Kinro matches funded startups to D&O appetite; Lockton structures Side A, B and C and embeds claims counsel in the broking team."
canonical: "https://spot.insure/compare/kinro-vs-lockton/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Kinro vs Lockton D&O Insurance

Kinro matches funded startups to D&O appetite; Lockton structures Side A, B and C and embeds claims counsel in the broking team.

## Research Scope and Use

Use this comparison to evaluate Kinro 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

Kinro matches startups and boards to D&O carriers using funding-stage and cap-table inputs, while Lockton designs Side A/B/C programs and says Professional & Executive Risk Claims counsel sits with the broking team from the start. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") [8](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## What Is Kinro Insurance?

Kinro helps U.S. small businesses identify insurance needs and shop available coverage through an agency. Buyers can start online, request a policy review, or contact the team for help. [1](https://kinro.com/ "Kinro Business Insurance") [2](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [3](https://kinro.com/contact "Contact Kinro")

[Kinro profile](https://spot.insure/insurance-providers/kinro)

## 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. [5](https://global.lockton.com/us/en "Lockton United States") [6](https://global.lockton.com/us/en/technology "Technology") [7](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. [9](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Program Architecture Versus Routing

Lockton explains a traditional D&O program as Side A, Side B and Side C, with Side C generally limited to securities claims for public companies and broader for private and nonprofit organizations. [8](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Kinro says placements typically address claims involving management decisions, governance, investors or executives, and that a management-liability program may fold in EPLI or fiduciary coverage. [4](https://kinro.com/products/directors-and-officers "Directors & Officers")

### Who the Placement Is For

Kinro says D&O commonly fits startups, funded companies, boards and executive teams, and typically comes up when outside investors, a formal board, debt covenants or a contract require it. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") Lockton lists who a program it places can cover—trustees, employees, contractors, volunteers, subsidiaries, spouses and estates—without naming a startup-funding trigger. [8](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### Quote File and Claims Desk

To quote, Kinro collects ownership, funding stage, board structure, revenue, headcount, prior claims and investor or lender requirements. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") Lockton’s reviewed D&O page does not publish that intake list; it instead names a Professional & Executive Risk Claims team that integrates insurance and claims counsel in the broking team from the start. [8](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Kinro’s reviewed page does not describe a dedicated claims-advocacy team. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") Neither page names the issuing insurer. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") [8](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## What to Confirm in D&O Insurance Quotes

- Ask Lockton how Side A, B and C would be set for a private funded company versus a public issuer. [8](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Ask Kinro whether EPLI or fiduciary would be bound with D&O. [4](https://kinro.com/products/directors-and-officers "Directors & Officers")
- Confirm who is an insured person, including subsidiaries and estates Lockton lists. [8](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Get carrier, limits and retentions; neither page publishes those amounts. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") [8](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## Offering Details

| Criteria | Kinro Directors & Officers | Lockton Directors & Officers (D&O) Insurance Brokerage |
| --- | --- | --- |
| 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. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: 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. [8](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 | Not described in the reviewed sources. | The D&O page does not name the insurers Lockton places D&O coverage with. [8](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 | 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. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: 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. [8](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 | 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. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: 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). [8](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 reviewed page does not publish D&O limits, retentions or premiums; carriers use inputs such as funding stage, cap table and debt to quote, and amounts are not published. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Not found in reviewed sources; scope: Directors & Officers page "Quote file" section as read on 2026-09-23..) | Not described in the reviewed sources. |
| How to Apply | To quote D&O, Kinro collects ownership, funding stage, board structure, revenue and headcount, prior claims and investor or lender requirements, and often reviews D&O together with EPLI, cyber and E&O coverage. [4](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: Directors & Officers page "Quote file" and "Reviewed with" sections..) | 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. [8](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

- [Kinro vs Lockton](https://spot.insure/compare/kinro-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.
- [Kinro vs Lockton Commercial Property Insurance](https://spot.insure/compare/kinro-vs-lockton/commercial-property)
- [Kinro vs Lockton Cyber Insurance](https://spot.insure/compare/kinro-vs-lockton/cyber)
- [Kinro vs Lockton General Liability Insurance](https://spot.insure/compare/kinro-vs-lockton/general-liability)
- [Kinro vs Lockton Workers’ Compensation Insurance](https://spot.insure/compare/kinro-vs-lockton/workers-compensation)
- [Alliance Risk vs Kinro D&O Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/directors-officers)
- [Alliance Risk vs Lockton D&O Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/directors-officers)
- [Amelia Risk vs Kinro D&O Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/directors-officers)
- [Amelia Risk vs Lockton D&O Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/directors-officers)
- [Beazley vs Kinro D&O Insurance](https://spot.insure/compare/beazley-vs-kinro/directors-officers)
- [Beazley vs Lockton D&O Insurance](https://spot.insure/compare/beazley-vs-lockton/directors-officers)

## Sources

### Kinro

1. [Kinro Business Insurance](https://kinro.com/). Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
2. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
3. [Contact Kinro](https://kinro.com/contact). Kinro; Opening policy-support description; direct contact channels and message form. Accessed 2026-09-15.
4. [Directors & Officers](https://kinro.com/products/directors-and-officers). Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23.

### Lockton

5. [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.
6. [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.
7. [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.
8. [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

9. [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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