--- title: "Lockton vs TechInsurance: D&O Insurance" description: "TechInsurance is the low-cost, simple option for small boards: buy D&O alone or add it to general liability or a business owner's policy, at a median of $133 a month. Lockton designs custom programs for larger or complex organizations and embeds claims counsel in your broking team." canonical: "https://spot.insure/compare/lockton-vs-techinsurance/directors-officers" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "lockton-vs-techinsurance" provider-a: "lockton" provider-b: "techinsurance" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/lockton-vs-techinsurance/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Lockton and TechInsurance 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 TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Lockton vs TechInsurance for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Lockton or TechInsurance? - What does Lockton or TechInsurance publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: Lockton and TechInsurance. - 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 TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance) — 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 - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # Lockton vs TechInsurance: How Do They Compare for D&O Insurance? Lockton designs and places D&O programs, while TechInsurance arranges coverage and explains its role in legal costs tied to management decisions. TechInsurance lets small companies and nonprofits add D&O to a GL or business owner's policy at a published $133 median monthly cost, while Lockton designs custom D&O programs with wider insured lists and claims counsel on your team. ## Lockton vs TechInsurance D&O Insurance Summary TechInsurance is the low-cost, simple option for small boards: buy D&O alone or add it to general liability or a business owner's policy, at a median of $133 a month. Lockton designs custom programs for larger or complex organizations and embeds claims counsel in your broking team. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") ## What Are the Key Differences Between Lockton and TechInsurance D&O Insurance? ### Published Price and Add-On vs a Designed Program TechInsurance targets companies with active boards, such as employers with stockholders, VC-backed startups and nonprofits, and prices by limit, deductible, jurisdiction, industry, headcount, revenue, claims history and IPO potential. Lockton designs and places D&O programs and publishes no prices, tracking emerging risks like AI-related litigation. Choose TechInsurance if you're a small company or nonprofit wanting affordable D&O quickly; choose Lockton if you're larger, public, or need a program built around unusual exposures. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") ### Who the Policy Covers Lockton says its programs can extend to trustees, employees, contractors, committee members, volunteers, subsidiaries, spouses and estates. TechInsurance describes standard Side A, B and C cover without that wider list, and excludes criminal acts like fraud or embezzlement. If volunteers or committee members make decisions for you, ask about Lockton's broader roster. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ### Claims Counsel vs Claims-Made Basics Lockton puts insurance and claims counsel on your broking team from the start. TechInsurance's D&O is claims-made: it only responds if the policy is active when the claim is made, so don't let it lapse. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ## What Should You Confirm in Lockton and TechInsurance D&O Insurance Quotes? - Compare your TechInsurance quote with its $133 median, and check the limit it buys. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Ask TechInsurance whether your D&O is standalone or an endorsement, and which insurer issues it. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Ask Lockton which insurers it will approach and which extra insured groups it will name. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") ## Lockton vs TechInsurance D&O Insurance Compared | Criteria | Lockton Directors & Officers (D&O) Insurance Brokerage | TechInsurance Directors and Officers Insurance (D&O) | | --- | --- | --- | | 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..) | TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, Who needs D&O insurance coverage? section..) | | 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..) | TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)

TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, How does directors and officers insurance work? and exclusions sections..) | | 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..) | TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) | ## About Lockton and TechInsurance and D&O Insurance - [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews) - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers) ## Related Pages for Lockton vs TechInsurance D&O Insurance - [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance): 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) - [TechInsurance D&O Insurance](https://spot.insure/insurance-providers/techinsurance/directors-officers) ## Sources for Lockton vs TechInsurance 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 TechInsurance 2. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). 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 - [Markdown page](https://spot.insure/compare/lockton-vs-techinsurance/directors-officers.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)