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

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

## Agent Guide

**What this page is:** Focused comparison of Lockton and Risklytics 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 Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: D&O Insurance. Providers: Lockton and Risklytics.
- 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 Risklytics](https://spot.insure/compare/lockton-vs-risklytics) — 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
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 quick D&O for venture-backed startups at a typical $1–3 million limit, while Lockton designs larger programs with its own claims team built into the brokerage.

## Lockton vs Risklytics D&O Insurance Summary

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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## 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. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Ask Risklytics whether $1–3 million fits your funding stage and whether higher limits are available. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")
- Ask Risklytics who handles your claim; its pages don't describe a claims team. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")
- Ask Lockton what it charges on top of premium, to compare with Risklytics' no-fee pricing. [4](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## Lockton vs Risklytics D&O Insurance Compared

| 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. [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..) | 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. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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). [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..) | 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. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |

## About Lockton and Risklytics and D&O Insurance

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

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

- [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics): 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)
- [Risklytics D&O Insurance](https://spot.insure/insurance-providers/risklytics/directors-officers)

## Sources for Lockton vs Risklytics 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 Risklytics

2. [Directors & Officers Insurance](https://www.risklytics.ai/lines/management/). 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.
3. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
4. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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.

## Agent and Developer Resources

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