Lockton vs 
Newfront D&O Insurance
Lockton highlights a dedicated D&O claims team; Newfront instead highlights a client dashboard and automated renewal technology.
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. 1,2,3
What Is Newfront?
Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. 5,6,7,8
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 10
Key Differences in D&O Insurance
Two Different Service Pitches
Lockton's D&O pitch is about claims handling once something goes wrong, naming a dedicated team structure. 4 Newfront's pitch instead is about the account experience before anything goes wrong:
Newfront says clients get 24/7 access to their D&O program through its connected dashboard, and that renewals use automated, pre-populated historical data for faster submissions and approvals. 9Company-reported. Industry-Leading Technology section of the Executive Risk page.
One broker sells you on defense when a claim arrives; the other sells you on visibility while the policy sits quiet.
Who Can Be Covered
Lockton's page lists an unusually broad set of insureds a program it places can extend to, including trustees, committee members, subsidiaries and estates. 4 Newfront's page instead names coverage types — private and public company D&O, plus a Side A DIC option — rather than listing who within an organization is covered. 9
What Neither Page Names
Lockton's D&O page doesn't name the insurers it places coverage with. 4 Newfront's Executive Risk page has the same gap, naming the coverage types it brokers without disclosing a carrier. 9
What to Confirm in D&O Insurance Quotes
- Ask Lockton which insurers it typically places D&O with; the reviewed page doesn't name one. 4
- Ask Newfront which insurer would issue the policy; its Executive Risk page has the same gap. 9
- Confirm how each broker's claims process works, since Lockton names a specific integrated team while Newfront instead describes negotiation more generally across its Executive Risk lines. 9
- If you're approaching an IPO, deSPAC or direct listing, ask Newfront how its process changes for that transition, since Lockton's page doesn't describe a comparable public-company track. 9
Offering Details
Lockton vs Newfront D&O Insurance: documented features by provider
| Criteria | Lockton Directors & Officers (D&O) Insurance Brokerage | Newfront Directors and Officers (D&O) Insurance |
|---|---|---|
| Role in This Line | 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. 4Company-reported. D&O product page as read 2026-09-23. | Newfront's Executive Risk practice brokers D&O coverage, negotiating placement for management-liability lines. Deirdre Finn, the Executive Risk Solutions Practice Leader, oversees this D&O, employment-practices and fiduciary book of business. 9Company-reported. Executive Risk offering page and Leadership section. |
| Issuing Insurer | The D&O page does not name the insurers Lockton places D&O coverage with. 4Not publicly disclosed. D&O product page checked 2026-09-23. | The reviewed Executive Risk page does not name the insurer or insurers that would issue a D&O policy placed through Newfront. 9Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement. |
| Who It’s For | 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. 4Company-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. | Newfront says it services private companies "from seed round through every series of capital funding," including over 120 unicorn companies, and has worked with over 500 publicly traded companies on D&O-relevant matters such as M&A and IPOs. 9Company-reported. Here for the Long Run section; company-reported client counts, not independently verified. |
| Coverage Features | 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). 4Company-reported. D&O product page as read 2026-09-23. General educational description of program structure, not a specimen policy form. | Newfront lists "Directors and Officers (D&O)—Private and public companies" and "Side A DIC D&O" among its Executive Risk Key Coverages, and says its D&O work includes protection against securities-related litigation and regulatory investigations. 9Company-reported. Key Coverages list and Committed to Client Advocacy section; Side A DIC is a difference-in-conditions option, and actual trigger and exclusions require the proposed wording. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed Executive Risk page does not publish D&O limits or retentions. 9Not publicly disclosed. Executive Risk page as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | Newfront says clients get 24/7 access to their D&O program through its connected dashboard, and that renewals use automated, pre-populated historical data for faster submissions and approvals. 9Company-reported. Industry-Leading Technology section of the Executive Risk page. |
| How to Apply | Not described in the reviewed sources. | Newfront describes a process for private companies transitioning to public status through an IPO, deSPAC or direct listing, and you start a D&O placement by requesting a consultation through the Executive Risk page. 9Company-reported. Committed to Client Advocacy section and page call-to-action; no online quoting or binding described. |
| Claims Support | 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. 4Company-reported. D&O product page as read 2026-09-23. | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a D&O claim. 9Company-reported. The Newfront Difference section; described across Executive Risk lines, not a D&O-specific claims workflow. |
Full Comparison
More Lockton vs Newfront Comparisons
Other D&O Insurance Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- 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.
- US 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.
- D&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.
Newfront
- Business Insurance. Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
- Employee Benefits. Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
- WTW Completes Acquisition Of Newfront. WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
- Executive Risk. Newfront; Key Coverages to Protect Your Business: Directors and Officers (D&O)—Private and public companies, Side A DIC D&O; Here for the Long Run: Private Companies, IPOs, Public; Leadership: Deirdre Finn; Industry-Leading Technology. Accessed 2026-09-23.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
