---
title: "Lockton vs Vouch D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-vouch/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Lockton and Vouch for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Lockton names a dedicated Professional & Executive Risk Claims team for D&O broking without naming an insurer, while Vouch's Corix program partner discloses State National Insurance Company or United Specialty Insurance Company as issuers of its D&O products. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [11](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures")

## 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](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://www.vouch.us/ "Vouch Homepage") [6](https://apply.vouch.us/ "Start a Vouch Application") [7](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") [8](https://www.vouch.us/services/contract-requirement-review "Contract Requirement Review")

[Vouch profile](https://spot.insure/insurance-providers/vouch)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [12](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") 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. [11](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures") (Evidence: Company-reported; scope: 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](https://www.vouch.us/technology "Insurance for Technology Companies") 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### Claims Handling

Lockton names a specific team integrated into its broking practice from the start of the relationship. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") 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](https://www.corixinsurance.com/products/management-liability "Management Liability")

## 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](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- 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](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures")
- Confirm published limits with both directly; neither page states a specific figure for your company. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [9](https://www.vouch.us/technology "Insurance for Technology Companies")
- 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](https://www.vouch.us/technology "Insurance for Technology Companies")

## Offering Details

| 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. [4](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..) | 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](https://www.vouch.us/technology "Insurance for Technology Companies") [10](https://www.corixinsurance.com/products/management-liability "Management Liability") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Not publicly disclosed; scope: 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. [11](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures") (Evidence: Company-reported; scope: 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. [4](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..) | 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](https://www.vouch.us/technology "Insurance for Technology Companies") [10](https://www.corixinsurance.com/products/management-liability "Management Liability") (Evidence: Company-reported; scope: 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). [4](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..) | 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. [10](https://www.corixinsurance.com/products/management-liability "Management Liability") (Evidence: Company-reported; scope: 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](https://www.vouch.us/technology "Insurance for Technology Companies") [10](https://www.corixinsurance.com/products/management-liability "Management Liability") (Evidence: Not publicly disclosed; scope: 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](https://www.corixinsurance.com/products/management-liability "Management Liability") [9](https://www.vouch.us/technology "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [4](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..) | Not described in the reviewed sources. |

## Full Comparison

- [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Lockton vs Vouch Commercial Property Insurance](https://spot.insure/compare/lockton-vs-vouch/commercial-property)
- [Lockton vs Vouch Cyber Insurance](https://spot.insure/compare/lockton-vs-vouch/cyber)
- [Lockton vs Vouch General Liability Insurance](https://spot.insure/compare/lockton-vs-vouch/general-liability)
- [Lockton vs Vouch Product Liability Insurance](https://spot.insure/compare/lockton-vs-vouch/product-liability)
- [Alliance Risk vs Lockton D&O Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/directors-officers)
- [Alliance Risk vs Vouch D&O Insurance](https://spot.insure/compare/alliance-risk-vs-vouch/directors-officers)
- [Amelia Risk vs Lockton D&O Insurance](https://spot.insure/compare/amelia-risk-vs-lockton/directors-officers)
- [Amelia Risk vs Vouch D&O Insurance](https://spot.insure/compare/amelia-risk-vs-vouch/directors-officers)
- [Beazley vs Lockton D&O Insurance](https://spot.insure/compare/beazley-vs-lockton/directors-officers)
- [Beazley vs Vouch D&O Insurance](https://spot.insure/compare/beazley-vs-vouch/directors-officers)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/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.
3. [US Terms of Business](https://global.lockton.com/us/en/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.
4. [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.

### Vouch

5. [Vouch Homepage](https://www.vouch.us/). Vouch; Hero identifying Vouch as an insurance broker; Industries; Services; footer identifying Vouch Specialty and qualifying product availability. Accessed 2026-09-15.
6. [Start a Vouch Application](https://apply.vouch.us/). 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.
7. [Carrier Options in One Place](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage). Vouch; 26 November 2025: Choice Without the Chaos; Clarity That Builds Confidence; One Relationship, Many Solutions; final producer/underwriting disclosure. Accessed 2026-09-15.
8. [Contract Requirement Review](https://www.vouch.us/services/contract-requirement-review). Vouch; Coverage that keeps your deals moving; Tailored to your contract; Effortless Experience (reviews and COIs). Accessed 2026-09-15.
9. [Insurance for Technology Companies](https://www.vouch.us/technology). 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.
10. [Management Liability](https://www.corixinsurance.com/products/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.
11. [Legal Disclosures](https://www.corixinsurance.com/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

12. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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