---
title: "Lockton vs Relm Insurance: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-relm/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-relm"
provider-a: "lockton"
provider-b: "relm"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-relm/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Lockton and Relm Insurance for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Lockton versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Lockton vs Relm Insurance for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Lockton or Relm Insurance?
- What does Lockton or Relm Insurance publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Lockton and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Lockton vs Relm Insurance](https://spot.insure/compare/lockton-vs-relm) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 is a broker you hire directly that puts claims counsel on your D&O program, while Relm is a specialist market for Web3, biotech and AI companies that your broker has to reach for you.

## Lockton vs Relm Insurance D&O Insurance Summary

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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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. [1](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..)

Lockton also says its programs can cover trustees, committee members, volunteers and subsidiaries, not just directors and officers. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") Relm describes no claims function and says coverage specifics differ by insurer. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Ask your broker whether it can reach Relm, which insurer Relm would use, and who handles claims. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Web3, biotech and AI companies: ask how each proposal's wording treats your core activity. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## Lockton vs Relm Insurance D&O Insurance Compared

| 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. [1](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. [2](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). [1](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. [2](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..) |
| 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. [1](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. [2](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..) |

## About Lockton and Relm Insurance and D&O Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Lockton vs Relm Insurance D&O Insurance

- [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): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Lockton D&O Insurance](https://spot.insure/insurance-providers/lockton/directors-officers)
- [Relm Insurance D&O Insurance](https://spot.insure/insurance-providers/relm/directors-officers)

## Sources for Lockton vs Relm Insurance D&O Insurance

### Sources About Lockton

1. [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.

### Sources About Relm Insurance

2. [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.

Updated 2026-09-25. 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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- [Markdown page](https://spot.insure/compare/lockton-vs-relm/directors-officers.md)
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