--- title: "Lockton vs USI Insurance Services: D&O Insurance" description: "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." canonical: "https://spot.insure/compare/lockton-vs-usi/directors-officers" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "lockton-vs-usi" provider-a: "lockton" provider-b: "usi" 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-usi/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Lockton and USI Insurance Services 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 USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Lockton vs USI Insurance Services for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Lockton or USI Insurance Services? - What does Lockton or USI Insurance Services publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: Lockton and USI Insurance Services. - 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 USI Insurance Services](https://spot.insure/compare/lockton-vs-usi) — 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 - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile # 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 suits smaller businesses and software companies looking to close D&O gaps or cut premium; Lockton suits organizations that want claims counsel inside the broking team and broad insured definitions. ## Lockton vs USI Insurance Services D&O Insurance Summary 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") ## 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](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") Lockton focuses on market intelligence and emerging risks, and its Professional & Executive Risk Claims team works inside the broking team from the start. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") 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. [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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](https://www.usi.com/property-casualty/technology/ "Technology Insurance") Lockton publishes no comparable outcome. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") ## 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Ask USI what benchmarking shows for a company of your size and risk profile. [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") - Ask USI who handles your claim; its pages describe no dedicated D&O claims team. [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Ask Lockton how far the insured definition would extend for your organization. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") ## Lockton vs USI Insurance Services D&O Insurance Compared | 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. [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..) | 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](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: 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). [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..) | 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. [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's "How USI Can Help" section..) | ## About Lockton and USI Insurance Services and D&O Insurance - [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews) - [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews) - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers) ## Related Pages for Lockton vs USI Insurance Services D&O Insurance - [Lockton vs USI Insurance Services](https://spot.insure/compare/lockton-vs-usi): 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) - [USI Insurance Services D&O Insurance](https://spot.insure/insurance-providers/usi/directors-officers) ## Sources for Lockton vs USI Insurance Services 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 USI Insurance Services 2. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23. 3. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23. 4. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability.... 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). 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