Lockton vs 
Vouch D&O Insurance
Lockton names a dedicated D&O claims team without naming an insurer; Vouch's Corix partner names the specific insurers behind its own D&O product.
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 Vouch Insurance?
Vouch is a business insurance broker and risk advisor for startups and growing companies. Buyers can apply online and work with advisors to arrange coverage, review contract requirements and manage insurance across carriers. 5,6,7,8
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 12
Key Differences in D&O Insurance
A Named Insurer on One Side
Lockton's D&O page doesn't name the insurers it places coverage with, describing program design instead. 4 Vouch's program partner is more specific about who's on the hook:
Corix's disclosures say its proprietary products, including its management liability line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded D&O products specifically, not for every Vouch D&O placement. 11Company-reported. Corix disclosures page.
Client Base
Vouch markets D&O to technology companies specifically, from early-stage through IPO, while its Corix partner separately targets private and small-to-low-middle-market businesses generally. 9 Lockton instead lists a broad range of individuals a program it places can cover, from trustees to subsidiaries and estates, without naming an industry focus. 4
Claims Handling
Lockton names a specific team integrated into its broking practice from the start of the relationship. 4 Vouch and Corix's reviewed pages don't describe a comparable claims-advocacy function for this line, focusing instead on coverage purpose and defense funding. 10
What to Confirm in D&O Insurance Quotes
- Confirm how claims are handled at each firm, since Lockton names a specific integrated team that Vouch's pages don't mirror. 4
- Ask Vouch whether your placement would go through Corix specifically, since the named insurers apply to Corix-branded products rather than every Vouch D&O placement. 11
- Confirm published limits with both directly; neither page states a specific figure for your company. 4 9
- If you're not a technology company by Vouch's definition, ask whether its D&O program still applies, since Lockton's coverage list isn't industry-specific. 9
Offering Details
Lockton vs Vouch D&O Insurance: documented features by provider
| Criteria | Lockton Directors & Officers (D&O) Insurance Brokerage | Vouch Directors & Officers (D&O) 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. | Vouch is a broker, not an insurer, for D&O coverage. It lists D&O among the core coverages it places for technology clients, and one of its named program partners, Corix, has a dedicated management liability product that includes D&O. 9,10Company-reported. Vouch's Technology page and Corix's management liability product page. |
| 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. | Corix's disclosures say its proprietary products, including its management liability line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded D&O products specifically, not for every Vouch D&O placement. 11Company-reported. Corix disclosures page. |
| 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. | Vouch markets D&O to technology companies from early-stage through IPO, saying programs are designed to build investor confidence and support long-term growth plans; Corix separately markets management liability, including D&O, to private and small-to-low-middle-market businesses, not only public companies. 9,10Company-reported. Vouch's Technology page and Corix's management liability 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. | Corix says its management liability coverage is meant to preserve corporate and personal assets against allegations from stakeholders, employees, competitors or regulators, and to fund a defense so leaders and the business can respond to claims without exhausting cash flow, even when a claim is ultimately dismissed. 10Company-reported. Corix's management liability product page; actual insuring agreements and exclusions are set by the issued policy. |
| Limits and Retentions | Not described in the reviewed sources. | Neither the Vouch nor the Corix pages publish D&O policy limits or retentions. 9,10Not publicly disclosed. Pages checked on 2026-09-23. |
| How to Apply | Not described in the reviewed sources. | Corix's management liability product page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. 10,9Company-reported. Corix product page and Vouch site navigation. |
| 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 Vouch 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.
Vouch
- Vouch Homepage. Vouch; Hero identifying Vouch as an insurance broker; Industries; Services; footer identifying Vouch Specialty and qualifying product availability. Accessed 2026-09-15.
- Start a Vouch Application. Vouch; Public first screen: legal business name, website/no-website option, address and location type, applicant role and contact fields, consent, and existing-customer sign-in. Accessed 2026-09-15.
- Carrier Options in One Place. Vouch; 26 November 2025: Choice Without the Chaos; Clarity That Builds Confidence; One Relationship, Many Solutions; final producer/underwriting disclosure. Accessed 2026-09-15.
- Contract Requirement Review. Vouch; Coverage that keeps your deals moving; Tailored to your contract; Effortless Experience (reviews and COIs). Accessed 2026-09-15.
- Insurance for Technology Companies. Vouch; Core coverages for Technology: ...Directors & Officers (D&O)...; Leadership & Governance Exposure: "D&O programs designed to safeguard personal assets, build investor confidence, and support long-term growth plans."; Blog: Understanding Directors & Officers (D&O) Insurance. Accessed 2026-09-23.
- Management Liability. Corix Insurance; As regulatory scrutiny, employment-related litigation, and investor activism increase, Management Liability coverage has become essential...; Personal Liability: Business owners often serve as directors or officers and can be held personally liable...; Legal Fees: Even baseless claims can cost tens of thousands of dollars... Accessed 2026-09-23.
- Legal Disclosures. Corix Insurance; Policies are issued by State National Insurance Company (NAIC# 12831) or United Specialty Insurance Company (NAIC#12537). 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.
