Lockton vs USI Insurance Services: How Do They Compare for D&O Insurance?

Lockton designs and places broad D&O programs; USI Insurance Services brokers coverage for small and midsize businesses through local advisors.

USI targets smaller businesses that are often underinsured for D&O and reports saving one software company more than $100,000 a year through benchmarking. Lockton embeds claims counsel in your broking team and places programs that can cover trustees, committee members and volunteers. ^1,³

What Are the Key Differences Between Lockton and USI Insurance Services D&O Insurance?

Closing Gaps and Cutting Premium vs Claims Counsel and Broad Cover

USI says smaller businesses are often underinsured for D&O because their broker never flagged the exposure, and it adds its ExecuSafe endorsements to the policies it places. ² Lockton focuses on market intelligence and emerging risks, and its Professional & Executive Risk Claims team works inside the broking team from the start. ¹ Choose USI if you are a small business unsure your D&O is adequate, or a software company that wants its premium benchmarked; choose Lockton if you are a nonprofit or association whose trustees, committee members or volunteers need cover.

How USI Places D&O

USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. ²Company-reported. ExecuSafe article's "How USI Can Help" section.

One Reported Savings Result

USI says benchmarking saved one technology client more than $100,000 a year in D&O premium. That is a single case study, not a promise. ³ Lockton publishes no comparable outcome. ¹

What Should You Confirm in Lockton and USI Insurance Services D&O Insurance Quotes?

Ask both which insurers they'd place your D&O with; neither page names one. ¹ ²
Ask USI what benchmarking shows for a company of your size and risk profile. ³
Ask USI who handles your claim; its pages describe no dedicated D&O claims team. ²
Ask Lockton how far the insured definition would extend for your organization. ¹

Lockton vs USI Insurance Services D&O Insurance Compared

Lockton vs USI Insurance Services: D&O Insurance: documented features by provider

Criteria	Lockton Directors & Officers (D&O) Insurance Brokerage	USI ExecuSafe Directors & Officers Liability Program
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.	USI targets small- and medium-sized businesses for ExecuSafe, saying many either skip D&O coverage or buy insufficient limits because their brokers do not help them identify the exposure. Its Technology practice separately places D&O for software, hardware and communications clients from seed stage through IPO. ^2,³Company-reported. ExecuSafe article eligibility framing and Technology practice client description.
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.	USI says D&O insurance is meant to protect a company's leadership from personal loss in a lawsuit, since the corporate veil does not shield directors and officers from personal liability for the business's actions and debts. It lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common claim types the coverage responds to. ²Company-reported. ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy.
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.	USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. ²Company-reported. ExecuSafe article's "How USI Can Help" section.