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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 federal agency rulemaking intersect with a patchwork of state regimes and a litigious culture—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 map out actionable insurance solutions.
This is where Lockton operates, at the crossroads 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?
Dive into each section of our regulatory risk report to understand the forces reshaping the U.S. regulatory landscape.
Regulatory risk in focus | Watch our series of videos on regulatory risk for key insights into how you turn complexity into control
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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 management liability program helps ensure that the costs associated with investigations, enforcement actions, and private litigation are addressed in their entirety.
Does D&O insurance cover regulatory investigations?
It depends. There are many policy wording aspects to consider, starting with the definition of “claim” and “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 to name a few.
How does EPL tie into regulatory risk exposure?
Federal and state employment agency inquiries (involving allegations such as discrimination, harassment, and wage‑and‑hour violations) and workplace culture claims can trigger coverage under EPL and Wage & Hour policies. Coordinating these coverages with a D&O program avoids gray areas around employment-related wrongful acts and leadership oversight.
Where does fiduciary liability fit with regulatory risk exposure?
Fiduciary liability covers alleged mismanagement of employee benefit plans (e.g., violations of 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 where possible.
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