Financial and Professional Risk

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Understand your exposures, reduce your risks, and stay compliant.

Changing corporate governance standards bring new requirements for corporate risk management. Lockton is on top of it. Our team of specialists will work with you to understand your exposures, reduce your risks, and keep you compliant.

First, Lockton’s business risk experts identify the issues that may affect your company’s financial performance. Then we come up with solutions. As your partner, we:

  • Educate your executive team on risk management and risk transfer solutions.
  • Differentiate your company with the underwriting community in order to obtain optimal risk transfer options.
  • Provide ongoing communication of changes – legal and regulatory – that may affect your company.

Executive Risk Exposures

We provide insurance & risk management solutions for:

  • Fund Managers and Administrators
  • Asset Managers
  • Financial Planners
  • Private Equity and Venture Capital Hedge Funds
  • Mortgage Brokers
  • Stockbrokers
  • Finance Brokers
  • Future Brokers
  • Institutional Property Funds
  • Corporate Advisory
  • Investment Funds
  • Trust Companies
  • Superannuation Funds

Directors and Officers Liability

Companies and their directors and officers face increasingly strict regulations and a hostile litigation environment. A decision that adversely affects shareholders, employees, customers, or creditors, or that runs afoul of a regulatory issue, can lead to a lawsuit that may leave individuals personally liable. A Directors & Officers Liability policy (D&O) offers protection to both individuals and the company balance sheet as a result of negligent wrongful acts.

D&O insurance is intended to provide cover for directors, officers and other insureds–including the company itself in certain circumstances–for liability that arises out of their role as directors or officers of the company.

Of course, while directors and officers coverage is subject to some exclusions and other coverage terms, the policy typically will pay for defense costs, settlements, and judgments, typically in excess of a deductible for those claims.

Employment Practices Liability

As an employer, you face many risks, from breach of contract to discrimination. Choosing the right employment practices liability insurance program takes careful consideration. Lockton understands the issues. We know how to protect both your company and its employees, and our specialists tailor policies that suit your organization’s needs.

Employment practices liability insurance protects your company against the financial losses associated with employment litigation. This may include reimbursement for settlements, judgments, and the expense of defending yourself when you are accused of:

  • Breach of employment contract
  • Discrimination against employees or prospective employees
  • Wrongful Termination
  • Sexual or other harassment

An effective policy also protects against the implications of changing employment legislation. Your Lockton experts will make sure you are covered.

Errors & Omissions / Professional Liability

When a product or service allegedly fails and causes financial damage, your company may face a legal dispute. Lockton experts ensure you have the protection you need.

An errors and omissions or professional liability policy covers the defense and settlement expenses associated with professional services provided by a consultant, designer or professional (lawyer, healthcare worker, accountant, engineer, etc.). Such policies also cover products such as technology and other equipment.


If an employee steals money, securities, or property from you or a client, a crime policy reimburses you. Lockton’s experts help you choose the right coverage for your company.

A crime policy can also provide coverage from illegal acts of third parties, such as computer fraud, wire transfer fraud, and robbery/burglary that result in a loss.

Other Specialist Financial & Professional Risk Services & Solutions include:

  • Investment Managers
  • Management Liability
  • Prospectus Liability
  • Warranty & Indemnity
  • Real Estate Transactions

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