Skip to main content
Read article
Read article
Read article
Lockton helps organizations navigate regulatory change, reduce compliance risk, and strengthen governance with tailored strategies that protect operations and support long term resilience.
Turning complexity into control.
Regulation never stands still. Executive orders and agency rulemaking intersect with a patchwork of state regimes and active litigation—creating uneven enforcement and risk across securities-related exposures, ESG/DEI, workplace rules, cybersecurity, and emerging technologies to name a few.
For leaders, the signal is clear: regulatory risk impacts every enterprise decision. Cutting through the complexity to gain clarity is difficult, and the best organizations don’t do it alone. They partner with specialists who can read the regulatory terrain and translate the requirements into actionable insurance solutions.
This is where Lockton operates, at the junction of insurance and regulatory risk strategy. We turn complexity into clarity by translating requirements into actionable governance, risk control advice, and a tailored insurance program—giving you the confidence to focus on the big decisions, knowing regulatory risk won’t stand in your way.
How do you manage risk in an era of deregulation?
The regulatory environment in the U.S. is undergoing profound change. Read our regulatory risk report (opens a new window) to stay ahead.
Regulatory risk in focus | Watch our series of videos on regulatory risk for key insights into how you turn complexity into control
Regulatory risk article hub
Cut through regulatory complexity with short, sharp insight pieces you can act on.
— Articles
What the Supreme Court’s ruling on disgorgement could mean for your D&O program
It’s not often that the Supreme Court addresses securities enforcement law, which is why public companies, senior executives, and the directors and officers liability (D&O) insurance community should take note of its recent grant of certiorari in Sec …
— Articles
Potential end of ACA tax credits creates substantial risk for healthcare organizations
Enhanced Affordable Care Act (ACA) tax credits introduced during the pandemic are nearing their expiration date. An upcoming Senate vote will determine whether these subsidies continue, and understanding the risk and underwriting environment for heal …
— Articles
Fading antitrust and regulatory D&O coverage challenge healthcare organizations to act
Antitrust and regulatory coverage under directors and officers liability (D&O) policies was once widely available to healthcare organizations. With litigation costs soaring and enforcement intensifying, underwriters are scrutinizing this coverage mor …
Regulatory risk management | FAQs
Which insurance policies typically respond to regulatory issues?
Depending on the matter, D&O (directors & officers) liability, EPL (employment practices liability), GPL (general partner liability), E&O (errors & omissions), fiduciary liability, crime, and cyber can all play a role. A coordinated program helps ensure investigations, defense costs, and related claims are addressed without gaps.
Does D&O insurance cover regulatory investigations?
It depends. There are many policy wording considerations to consider starting with the definition of “claim” or “investigation".
What do underwriters look for when evaluating a company’s ability to handle regulatory risk?
Clear corporate governance policies, board oversight of risk, quality financials, robust compliance frameworks, whistleblower and disclosure controls, documentation of regulator interactions, and, where relevant, AI/cyber governance and vendor oversight.
How does EPL tie into regulatory risk exposure?
Agency inquiries (e.g., discrimination, harassment, wage‑and‑hour) and workplace culture claims can trigger EPL defense and settlement coverage. Coordinating EPL and D&O avoids gray areas around wrongful acts and leadership oversight.
Where does fiduciary liability fit with regulatory risk exposure?
Fiduciary covers alleged mismanagement of employee benefit plans (e.g., ERISA), which can include DOL investigations and class actions. It complements D&O by protecting plan fiduciaries and the plan itself.
How often should we review our program?
At least annually and at trigger events (new funding, acquisitions, leadership changes, new markets/AI use, regulatory shifts). Regular tune‑ups keep coverage aligned with strategy.
We operate globally—how do we avoid international gaps with regulatory risk?
Use controlled master programs with admitted local policies where needed and harmonized claims protocols. Align panel counsel, notice requirements, and currency/indemnification issues across jurisdictions
Elevate your regulatory risk strategy.
Connect with our team and turn complexity into control.
Talk to our team