Lockton vs 
Risklytics D&O Insurance
Lockton names a dedicated D&O claims team without a limit figure; Risklytics names a $1-3 million typical limit ask for venture-backed buyers.
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. 1,2,3
What Is Risklytics Insurance?
Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. 5,6,7
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 10
Key Differences in D&O Insurance
A Service Pitch Versus a Number
Lockton describes a dedicated claims function for this line rather than a published limit figure. 4 Risklytics instead states a specific typical range:
Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. 8Company-reported. Lines page; actual limits are set on the bound policy.
A founder comparing the two gets a service commitment from one and a budgeting number from the other.
Broking Versus Producer Licensing
Lockton frames its role around program design, market intelligence and staying ahead of emerging risks. 4 Risklytics instead frames its role around individual licensing, describing itself as a producer that places business with outside carriers rather than underwriting it. 5
Speed for a Specific Buyer
Risklytics describes quick placement for venture-backed companies with a clean story. 8 Lockton's page instead emphasizes precision and staying ahead of emerging risks like AI-related litigation, without describing a comparably fast track tied to any specific buyer segment. 4
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
- Ask Risklytics whether the $1-3 million typical ask fits your funding stage or whether higher limits are available. 8
- Confirm how claims are handled at each firm, since Lockton names a specific integrated team that Risklytics' pages don't mirror. 4
- Ask Risklytics whether its no-broker-fee pricing changes total cost compared with Lockton's placement. 9
Offering Details
Lockton vs Risklytics D&O Insurance: documented features by provider
| Criteria | Lockton Directors & Officers (D&O) Insurance Brokerage | Risklytics Directors & Officers 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. 4Company-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. 5Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| Issuing Insurer | The D&O page does not name the insurers Lockton places D&O coverage with. 4Not publicly disclosed. D&O product page checked 2026-09-23. | Risklytics does not name the carrier that underwrites Risklytics Directors & Officers Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. 8,5Company-reported. Lines page and about page; no specific insurer is published for this line. |
| 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. 4Company-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. 8Company-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). 4Company-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. 8Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Limits and Retentions | Not described in the reviewed sources. | Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. 8Company-reported. Lines page; actual limits are set on the bound policy. |
| Risk Services | Not described in the reviewed sources. | Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. 8Company-reported. Lines page. |
| How to Apply | Not described in the reviewed sources. | You start Risklytics Directors & Officers Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 9,5Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
| 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. 4Company-reported. D&O product page as read 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More Lockton vs Risklytics Comparisons
Other D&O Insurance Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- 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.
- US 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.
- D&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.
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Directors & Officers Insurance. Risklytics; Coverage line: Directors & Officers; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
