Lockton vs Relm Insurance: How Do They Compare for D&O Insurance?

Lockton designs and places D&O programs, while Relm Insurance targets fast-changing industries and distributes D&O coverage through brokers.

Lockton designs your D&O program and puts a Professional & Executive Risk Claims team of insurance and claims counsel on your account from day one. Relm writes custom D&O for Web3, biotech and AI companies, reached through your broker rather than directly. ^1,²

What Are the Key Differences Between Lockton and Relm Insurance D&O Insurance?

Your Broker vs a Market Your Broker Uses

You hire Lockton directly; it designs the program and says it accounts for emerging risks such as AI-related litigation. ¹ Relm describes no direct quote, so you reach it through a placing broker, and it names Web3 founders, biotechnology leaders and AI pioneers as its focus. ² Choose Lockton if you want one firm to design your program and fight your claims; choose Relm, through your current broker, if you're a Web3, biotech or AI company that wants a market focused on your sector. ¹ ²

Claims Counsel and Broad Insureds vs Coverage Only

When a claim lands, Lockton's counsel are already on your file:

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. ¹Company-reported. D&O product page as read 2026-09-23.

Lockton also says its programs can cover trustees, committee members, volunteers and subsidiaries, not just directors and officers. ¹ Relm describes no claims function and says coverage specifics differ by insurer. ²

What Should You Confirm in Lockton and Relm Insurance D&O Insurance Quotes?

Ask Lockton which insurers it would approach; its page names none. ¹
Ask your broker whether it can reach Relm, which insurer Relm would use, and who handles claims. ²
Web3, biotech and AI companies: ask how each proposal's wording treats your core activity. ² ¹

Lockton vs Relm Insurance D&O Insurance Compared

Lockton vs Relm Insurance: D&O Insurance: documented features by provider

Criteria	Lockton Directors & Officers (D&O) Insurance Brokerage	Relm Directors and Officers Liability Insurance
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. ¹Company-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.	Relm targets companies in disruptive or fast-changing sectors, naming Web3 founders, biotechnology leaders and AI pioneers as examples, and says any company with a board benefits, with startups especially needing it to attract executives. ²Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.
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). ¹Company-reported. D&O product page as read 2026-09-23. General educational description of program structure, not a specimen policy form.	Relm says D&O coverage generally protects directors and officers' personal assets by covering legal fees, settlements and financial losses when they are held liable for decisions made managing the company, including claims from shareholders, regulators, competitors or employees. ²Company-reported. Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control.
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. ¹Company-reported. D&O product page as read 2026-09-23.	Relm markets D&O liability as a line brokers can place through Relm for their clients, describing custom coverage rather than a one-size-fits-all policy. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.