Lockton vs 
Risklytics: How Do They Compare for D&O Insurance?
Lockton designs and places D&O programs that can include related entities; Risklytics Insurance Services focuses on venture-backed startups and cites a typical limit ask of $1 million to $3 million.
Risklytics places D&O quickly for venture-backed startups with a clean story and says the typical limit is $1 million to $3 million. Lockton designs D&O programs and puts a dedicated claims team inside its broking team, but publishes no limits or prices. 2,1
What Are the Key Differences Between Lockton and Risklytics D&O Insurance?
Fast Startup Placement vs Designed Program With Claims Team
Risklytics puts its benchmark this way:
Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. 2Company-reported. Lines page; actual limits are set on the bound policy.
It doesn't underwrite; a licensed producer places your policy with outside carriers, and it says there's no broker fee on top of premium. 3 4 Lockton focuses on program design, market intelligence and emerging risks such as AI-related litigation, with its Professional & Executive Risk Claims team working inside the broking team. 1 Choose Risklytics if you're a venture-backed startup with a clean history that needs a standard D&O limit bound quickly; choose Lockton if you need a larger, custom program or expect AI-related litigation and want claims counsel involved from the start. 2 1
What Should You Confirm in Lockton and Risklytics D&O Insurance Quotes?
- Ask Lockton which insurers it would approach; its D&O page names none. 1
- Ask Risklytics whether $1–3 million fits your funding stage and whether higher limits are available. 2
- Ask Risklytics who handles your claim; its pages don't describe a claims team. 2
- Ask Lockton what it charges on top of premium, to compare with Risklytics' no-fee pricing. 4
Lockton vs Risklytics D&O Insurance Compared
Lockton vs Risklytics: D&O Insurance: documented features by provider
| Criteria | Lockton Directors & Officers (D&O) Insurance Brokerage | Risklytics Directors & Officers 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. | Risklytics says the norm is buying D&O at or before a startup's first priced round, since term sheets and incoming board members typically require it as a closing condition. 2Company-reported. Lines page. |
| 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. | Risklytics describes D&O as protecting a founder's personal assets when an investor or regulator sues over how the company was run, citing an investor suit after a down round and a regulator inquiry into AI capability claims as examples, and distinguishes it from Tech E&O, which answers a customer's product-failure claim instead. 2Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| 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. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Directors & Officers Insurance with outside carriers; it says it does not underwrite policies itself. 3Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
