---
title: "Lockton vs Relm Insurance D&O Insurance"
description: "Lockton markets D&O directly with a named claims team; Relm's D&O market is reached through a broker rather than a buyer-facing page."
canonical: "https://spot.insure/compare/lockton-vs-relm/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Lockton vs Relm Insurance D&O Insurance

Lockton markets D&O directly with a named claims team; Relm's D&O market is reached through a broker rather than a buyer-facing page.

## Research Scope and Use

Use this comparison to evaluate Lockton and Relm Insurance 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 integrated into its D&O broking and addresses buyers directly, while Relm sells D&O through brokers placing coverage for disruptive-sector clients such as Web3 and AI companies. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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 Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [5](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Broker or Market

Lockton works for you as a broker, bringing market intelligence and claims advocacy to a D&O placement, while Relm is a market your broker places coverage with, so a founder usually reaches Relm through a broker rather than directly. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### Sector Focus Versus a Broad Practice

Relm names the sectors it targets specifically: Web3, biotechnology and AI. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") Lockton's eligibility language instead lists who within an organization can be covered — trustees, committee members, subsidiaries — without naming an industry focus. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### Claims Structure

Lockton names a specific team integrated into its broking practice from the start of the relationship:

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..)

Relm's reviewed D&O page doesn't describe a comparable dedicated claims function, saying only that coverage specifics can differ by carrier. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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")
- If you don't already work with a broker, ask whether Relm's capacity is reachable directly or only through a broker relationship. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Confirm how claims are handled at each firm, since Lockton names a specific integrated team that Relm's page doesn't mirror. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- If your company operates in Web3, biotech or AI, ask Relm how sector-specific risk changes underwriting compared with Lockton's broader eligibility list. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## Offering Details

| Criteria | Lockton Directors & Officers (D&O) Insurance Brokerage | Relm Directors and Officers Liability 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..) | 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. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |
| 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 Financial Lines page does not name a specific issuing insurer for D&O placements; Relm's separate legal-information and fronting-partner pages describe Relm Insurance Ltd. and an external fronting insurer generally, not tied to this specific line. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| 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..) | 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. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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). [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..) | 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. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control..) |
| Risk Services | Not described in the reviewed sources. | The reviewed D&O page does not describe dedicated risk-control, governance-advisory or claims-advocacy services beyond the general coverage description. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not found in reviewed sources; scope: Financial Lines page as read on 2026-09-23..) |
| How to Apply | Not described in the reviewed sources. | Relm sells D&O through insurance brokers (its page says brokers can use Relm to protect clients' leadership teams); it does not describe a direct online quote. [7](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages..) |
| 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..) | Not described in the reviewed sources. |

## Full Comparison

- [Lockton vs Relm Insurance](https://spot.insure/compare/lockton-vs-relm): 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 Relm Insurance Commercial Property Insurance](https://spot.insure/compare/lockton-vs-relm/commercial-property)
- [Lockton vs Relm Insurance Crime Insurance](https://spot.insure/compare/lockton-vs-relm/crime)
- [Lockton vs Relm Insurance Cyber Insurance](https://spot.insure/compare/lockton-vs-relm/cyber)
- [Lockton vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-relm/employment-practices)
- [Lockton vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-relm/fiduciary)
- [Lockton vs Relm Insurance General Liability Insurance](https://spot.insure/compare/lockton-vs-relm/general-liability)
- [Lockton vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/lockton-vs-relm/product-liability)
- [Alliance Risk vs Lockton D&O Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/directors-officers)
- [Alliance Risk vs Relm Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-relm/directors-officers)
- [Amelia Risk vs Lockton D&O Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/directors-officers)
- [Amelia Risk vs Relm Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-relm/directors-officers)
- [Beazley vs Lockton D&O Insurance](https://spot.insure/compare/beazley-vs-lockton/directors-officers)
- [Beazley vs Relm Insurance D&O Insurance](https://spot.insure/compare/beazley-vs-relm/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.

### Relm Insurance

5. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
6. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
7. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Directors and Officers (D&O) Liability Insurance: What Is D&O Liability Insurance?; Risk Is Part of the Role. Personal Exposure Doesn't Have to Be.; What Does D&O Insurance Cover?. Accessed 2026-09-23.

### D&O Insurance Guide

8. [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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