---
title: "Lockton vs Newfront D&O Insurance"
description: "Lockton highlights a dedicated D&O claims team; Newfront instead highlights a client dashboard and automated renewal technology."
canonical: "https://spot.insure/compare/lockton-vs-newfront/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/lockton-vs-newfront/directors-officers)

# Lockton vs Newfront D&O Insurance

Lockton highlights a dedicated D&O claims team; Newfront instead highlights a client dashboard and automated renewal technology.

## Research Scope and Use

Use this comparison to evaluate Lockton and Newfront 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

Lockton names a dedicated Professional & Executive Risk Claims team embedded in its D&O broking, while Newfront highlights a 24/7 account dashboard and automated, pre-populated renewal submissions for its Executive Risk clients instead of a claims team. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")

## 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](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://www.newfront.com/business-insurance "Business Insurance") [6](https://www.newfront.com/total-rewards "Employee Benefits") [7](https://www.newfront.com/navigator "Newfront Navigator") [8](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## 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

### Two Different Service Pitches

Lockton's D&O pitch is about claims handling once something goes wrong, naming a dedicated team structure. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") 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](https://www.newfront.com/executive-risk "Executive Risk")

### What Neither Page Names

Lockton's D&O page doesn't name the insurers it places coverage with. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Newfront's Executive Risk page has the same gap, naming the coverage types it brokers without disclosing a carrier. [9](https://www.newfront.com/executive-risk "Executive Risk")

## 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Ask Newfront which insurer would issue the policy; its Executive Risk page has the same gap. [9](https://www.newfront.com/executive-risk "Executive Risk")
- 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](https://www.newfront.com/executive-risk "Executive Risk")
- 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](https://www.newfront.com/executive-risk "Executive Risk")

## Offering Details

| 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. [4](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..) | 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk offering page and Leadership section..) |
| Issuing Insurer | The D&O page does not name the insurers Lockton places D&O coverage with. [4](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..) | The reviewed Executive Risk page does not name the insurer or insurers that would issue a D&O policy placed through Newfront. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: 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. [4](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..) | 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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). [4](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..) | 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: 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. [4](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..) | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a D&O claim. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: The Newfront Difference section; described across Executive Risk lines, not a D&O-specific claims workflow..) |

## Full Comparison

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

## Sources

### Lockton

1. [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.
2. [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.
3. [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.
4. [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.

### Newfront

5. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
6. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
7. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
8. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
9. [Executive Risk](https://www.newfront.com/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

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/lockton-vs-newfront/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)