---
title: "Best D&O Insurance for Startups (2026)"
description: "Which providers document directors and officers (D&O) insurance for startups, and what to check about funding-round requirements, founder disputes, regulators and private placements before you buy."
canonical: "https://spot.insure/best/directors-officers/startups"
page-type: "best-page"
updated-at: "2026-10-01"
coverage-line: "directors-officers"
segment: "startups"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/best/directors-officers/startups)

## Agent Guide

**What this page is:** Which providers document D&O Insurance that names startups, ranked on Spot's evidence ranking, and what that buyer should check.

**Use this page when:** Cite for "best d&o insurance for startups" or which providers offer D&O Insurance to startups. For one provider's whole D&O Insurance product use its offering page; for the coverage explainer use /coverage/directors-officers.

**Questions this page answers:**
- What is the best d&o insurance for startups?
- Which providers offer D&O Insurance for startups?
- What should startups check before buying D&O Insurance?

**Key facts:**
- Coverage line `directors-officers`; segment `startups`.
- Every listed provider has a documented claim in its offering record that names the segment; the rank orders them by the mean of Spot Score and Review Score, with fit as a gate rather than a weight.

**Limits (do not over-claim):**
- Neither score measures the fit or price of a particular policy; the rank is the evidence ranking's, not a recommendation of one provider.
- Not insurance, legal or financial advice, and not a quote, binder or offer of coverage.
- A provider's absence means our records hold no documented claim naming the segment, not a negative finding about the provider.

**Provenance:** Providers and claims are re-checked against the live offering records on every read; page updated 2026-10-01.

**Related pages:**
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for the line
- [Best D&O Insurance by business type](https://spot.insure/best/directors-officers) — parent: other segments for this line

# Best D&O Insurance for Startups (2026)

Coverage line: D&O Insurance. Buyer segment: Startups. Providers ranked: 10.

## Quick Answer

Startups usually buy D&O because an investor's term sheet asks for it, but the term sheet will not tell you how a policy treats a co-founder or investor suing the board, regulator inquiries aimed at the company, or your private placement. Start early and compare quotes on those three points. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors & Officers Liability (D&O) Insurance") [6](https://kinro.com/products/directors-and-officers "Directors & Officers") [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

10 providers document D&O Insurance for startups. TechInsurance, Founder Shield and Embroker rank highest on Spot’s evidence ranking.

## Which Providers Document D&O Insurance for Startups?

| Rank | Provider | Fit | Spot Score | Review Score |
| --- | --- | --- | --- | --- |
| 1 | [TechInsurance](https://spot.insure/insurance-providers/techinsurance/directors-officers) | Named for Startups | 5.0 / 10 | 9.1 / 10 (2 rated sources) |
| 2 | [Founder Shield](https://spot.insure/insurance-providers/foundershield/directors-officers) | Named for Startups | 5.3 / 10 | 7.4 / 10 (1 rated source) |
| 3 | [Embroker](https://spot.insure/insurance-providers/embroker/directors-officers) | Named for Startups | 5.1 / 10 | 5.6 / 10 (3 rated sources) |
| 4 | [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk/directors-officers) | Named for Startups | 5.1 / 10 | 2.0 / 10 (1 rated source) |
| 5 | [RiskCube](https://spot.insure/insurance-providers/riskcube/directors-officers) | Named for Startups | 5.9 / 10 | No review score |
| 6 | [Risklytics](https://spot.insure/insurance-providers/risklytics/directors-officers) | Named for Startups | 5.4 / 10 | No review score |
| 7 | [Kinro](https://spot.insure/insurance-providers/kinro/directors-officers) | Named for Startups | 5.0 / 10 | No review score |
| 8 | [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance/directors-officers) | Named for Startups | 4.9 / 10 | No review score |
| 9 | [Relm Insurance](https://spot.insure/insurance-providers/relm/directors-officers) | Named for Startups | Not rated | No review score |
| 10 | [Corgi](https://spot.insure/insurance-providers/corgi/directors-officers) | Related mention | Not rated | No review score |

### 1. TechInsurance

Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and….

- TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. [9](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, Who needs D&O insurance coverage? section.)

Full page: [TechInsurance D&O Insurance](https://spot.insure/insurance-providers/techinsurance/directors-officers).

### 2. Founder Shield

Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · Foundershield LLC/Founder Shield brokerage activity and the separate The Baldwin Group Specialty Solutions, LLC entity named by the website….

- Founder Shield targets D&O at public and private businesses, venture-backed companies (it says almost every institutional term sheet requires the coverage), and businesses owing more than $1 million to creditors. [3](https://foundershield.com/coverage/directors-and-officers-insurance/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Directors & Officers Insurance product page.)

Full page: [Founder Shield D&O Insurance](https://spot.insure/insurance-providers/foundershield/directors-officers).

### 3. Embroker

Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include….

- Embroker markets D&O to any private or public company with a board of directors, startups that have received or are about to receive venture capital funding, and nonprofit corporations, saying VC and private equity investors commonly require it before funding. [10](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company.)

Full page: [Embroker D&O Insurance](https://spot.insure/insurance-providers/embroker/directors-officers).

### 4. Amelia Risk

Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · Amelia Risk Insurance Brokers as the brokerage brand and operating name evidenced on its current official website, with US startup….

- Amelia Risk lists D&O among the policies it places for startups, technology companies, CPG brands, and consumer-product companies. [11](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [12](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [13](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [14](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.)
- Amelia Risk says most companies consider D&O once they've taken outside funding, that Series A term sheets usually require it, and that it's becoming more common to see D&O bought at the seed stage as seed rounds grow larger. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors & Officers Liability (D&O) Insurance") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Beyond the Certificate (podcast transcript)") (Evidence: Company-reported; scope: D&O product page timing guidance, restated in more detail by co-founder Danielle Holyoake in the company's podcast episode.)

Full page: [Amelia Risk D&O Insurance](https://spot.insure/insurance-providers/amelia-risk/directors-officers).

### 5. RiskCube

Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say….

- RiskCube targets D&O at startups raising institutional funding rounds or adding board members, and at regulated sectors such as AI, fintech, govtech, defense and space, saying investors and boards increasingly require D&O as a closing condition. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors and Officers (D&O) Insurance") (Evidence: Company-reported; scope: D&O product page "Who needs D&O insurance" section.)

Full page: [RiskCube D&O Insurance](https://spot.insure/insurance-providers/riskcube/directors-officers).

### 6. Risklytics

Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · Risklytics, Inc. dba Risklytics Insurance Services as a US insurance producer/broker serving technology and specialty risks through the….

- Risklytics describes D&O as protecting a founder's personal assets when an investor or regulator sues over how the company was run, citing an investor suit after a down round and a regulator inquiry into AI capability claims as examples, and distinguishes it from Tech E&O, which answers a customer's product-failure claim instead. [5](https://www.risklytics.ai/lines/management/ "Management liability: Directors & Officers") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage.)
- Risklytics says the norm is buying D&O at or before a startup's first priced round, since term sheets and incoming board members typically require it as a closing condition. [5](https://www.risklytics.ai/lines/management/ "Management liability: Directors & Officers") (Evidence: Company-reported; scope: Lines page.)

Full page: [Risklytics D&O Insurance](https://spot.insure/insurance-providers/risklytics/directors-officers).

### 7. Kinro

Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · Kinro Insurance Services LLC and the Kinro/Kinro AI technology-enabled distribution service for U.S. small-business commercial insurance.….

- Kinro says D&O commonly fits startups, funded companies, boards and executive teams, and typically comes up when a business has outside investors, a formal board or debt covenants, or a financing or customer contract requires management liability coverage. [6](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: Directors & Officers page "Common fit" and "Triggers" sections.)

Full page: [Kinro D&O Insurance](https://spot.insure/insurance-providers/kinro/directors-officers).

### 8. StartupInsurance.ai

Spot Score basis: Broker Spot Score · Assessed 2026-09-22 · StartupInsurance.ai brand and ContractorNerd Insurance Services LLC as the disclosed agency/intermediary for startup and technology-company….

- StartupInsurance.ai frames D&O as coverage founders typically need once an investor's term sheet requires it, positioning the line for venture-backed startups with a board rather than pre-revenue companies with no outside investors. [15](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage narrative example; not a stated underwriting eligibility rule (e.g., minimum funding stage or headcount).)

Full page: [StartupInsurance.ai D&O Insurance](https://spot.insure/insurance-providers/startupinsurance/directors-officers).

### 9. Relm Insurance

- Relm targets companies in disruptive or fast-changing sectors, naming Web3 founders, biotechnology leaders and AI pioneers as examples, and says any company with a board benefits, with startups especially needing it to attract executives. [16](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; not a guarantee of eligibility for a particular company.)

Full page: [Relm Insurance D&O Insurance](https://spot.insure/insurance-providers/relm/directors-officers).

### 10. Corgi

- Corgi sells D&O as a standalone startup policy and also bundles it into its stage-based packages starting at pre-seed and seed, describing it as protection for directors and officers against personal financial liability for management decisions. [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary") (Evidence: Company-reported; scope: Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself.)
- The standard policy excludes claims from registered public securities offerings, but a carve-back preserves coverage for exempt transactions such as Regulation D private placements, which Corgi says covers how most startups raise capital. [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary") (Evidence: Company-reported; scope: Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt.)

Full page: [Corgi D&O Insurance](https://spot.insure/insurance-providers/corgi/directors-officers).

## How Did Spot Rank D&O Insurance Providers for Startups?

Spot lists a provider only when its published D&O Insurance information includes a documented claim (verified or company-reported) about eligibility, role, coverage or application that mentions startups. “Named for Startups” marks a provider’s own statement of who it serves; “Related mention” marks a role, coverage or application claim.

Providers with both a Spot Score and a Review Score rank first, then providers with one of the two, then providers with neither. Within each group the order is the equal-weight average of the scores the provider has, as in the industry guides; ties break on fit, then the number of documented claims, then name.

The Spot Score comes from Spot’s reliability assessments and the Review Score from the provider’s rated review sources. Neither measures whether a policy fits your business or what it costs.

Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy).

## What Do Startups Need From Directors and Officers Insurance?

Funding sets the timing. Insurers that sell to startups say Series A term sheets usually require D&O, that it is increasingly bought at the seed stage, that almost every institutional term sheet requires it, and that a new lead investor's board seat or observer makes it a closing condition. That is their description of their own market, not an independent survey, so read your own term sheet. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors & Officers Liability (D&O) Insurance") [3](https://foundershield.com/coverage/directors-and-officers-insurance/ "Directors & Officers Insurance") [4](https://riskcubeai.com/insurance/directors-and-officers "Directors and Officers (D&O) Insurance") [5](https://www.risklytics.ai/lines/management/ "Management liability: Directors & Officers")

Debt and contracts can trigger it too. One insurer asks whether you have outside investors, a formal board or debt covenants, and says it comes up when a financing or customer contract asks for management liability coverage. Look for the clause in your loan documents as well as your equity paperwork. [6](https://kinro.com/products/directors-and-officers "Directors & Officers")

Know what the policy is for. Delaware lets a corporation buy insurance for its directors and officers whether or not it would have the power to indemnify them, so a policy can protect people the company cannot or will not reimburse. One startup insurer's form summary splits this into Side A, paid to individuals directly when the company cannot indemnify them, for example when it is insolvent; Side B, which reimburses the company when it does; and Side C, for the company itself. [7](https://delcode.delaware.gov/title8/c001/sc04/index.html "Delaware General Corporation Law §145 Indemnification of officers, directors, employees and agents; insurance") [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

Do not wait for a transaction. One insurer says claims tend to come at transactions such as an acquisition, an IPO, a bankruptcy or another funding round, and that buying just before a sale leaves earlier decisions uninsured. It says underwriting can take days to a few weeks and suggests budgeting two to three weeks. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Beyond the Certificate (podcast transcript)")

## Which Directors and Officers Exposures Do Startups Face?

Your claims come from the people who funded and built the company. One startup insurer's illustrative scenarios are investors suing the board over inflated revenue projections shown during a raise, a former co-founder alleging improper dilution in a funding round, and the SEC sending a CFO a Wells notice over statements about a private placement. Another cites an investor suit after a down round and a regulator inquiry into AI capability claims. [5](https://www.risklytics.ai/lines/management/ "Management liability: Directors & Officers") [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

Founder disputes can fall under the insured-versus-insured exclusion. The same form summary says claims by one insured against another, such as a co-founder suing the board, are generally excluded, with carve-backs for whistleblower actions, derivative suits not solicited by an insured, and claims by a bankruptcy trustee. [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

Regulatory cover may stop at the individual. In that form summary, investigations are covered for directors and officers who receive a Wells notice, subpoena or target letter. Investigations of the company itself and informal inquiries and document requests are not covered, and an optional endorsement broadens cover for informal inquiries and document requests. [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

A securities exclusion sits close to your fundraising. The summary says the policy excludes claims arising from registered public offerings and securities-law violations, with a carve-back for transactions exempt from registration such as Regulation D private placements. It adds that not every fundraising structure qualifies automatically. [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

## What Should Startups Check Before Buying Directors and Officers Insurance?

Ask for Sides A, B and C quoted separately, with the retention on each. In the form summary, Side A carries no retention, Side B and Side C do, and defense costs sit inside the limit, so they reduce what is left for settlements and judgments. [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

Ask three startup-specific questions in writing. Do the insured-versus-insured carve-backs reach a co-founder suit? Does the policy respond to an investigation of the company, or only of individuals? Does the securities exclusion carve back your exempt rounds, such as the Regulation D offerings you actually run? [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

Match the policy to your documents. Take the insurance clause from your term sheet, loan agreement or customer contract to your broker and ask them to show where each requirement is met. Do this before the closing timeline is tight. [5](https://www.risklytics.ai/lines/management/ "Management liability: Directors & Officers") [6](https://kinro.com/products/directors-and-officers "Directors & Officers")

Plan for the next policy. D&O is claims-made, so when you replace a starter policy with a larger one at the next round, ask what retroactive date the new policy carries and whether earlier fundraising decisions stay insured. [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Beyond the Certificate (podcast transcript)") [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

## What Do Startups Ask About D&O Insurance?

### Do Startups Need Directors and Officers Insurance?

Often an investor decides. Insurers that sell to startups say Series A term sheets usually require it and that it is increasingly bought at seed, while one adds there is no one-size-fits-all rule. Read the insurance clause in your term sheet and loan documents. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors & Officers Liability (D&O) Insurance") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Beyond the Certificate (podcast transcript)")

### Does D&O Insurance Cover Co-Founder Disputes for Startups?

Not by default. One startup insurer's form summary says claims by one insured against another, such as a co-founder suing the board, are generally excluded, with carve-backs for whistleblower actions, some derivative suits and bankruptcy trustee claims. Ask which carve-backs your quote has. [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

### Does D&O Insurance Cover Private Fundraising for Startups?

It can, if the policy carves back exempt offerings. One insurer's form summary excludes claims from registered public offerings and securities-law violations but preserves coverage for exempt transactions such as Regulation D private placements, and warns that not every structure qualifies. Ask how your rounds are treated. [8](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary")

### When Should Startups Buy Directors and Officers Insurance?

Before a transaction is close. One insurer says most companies consider it once they take outside funding, Series A term sheets usually require it, and waiting until a sale is imminent leaves earlier decisions uninsured. It suggests budgeting two to three weeks for underwriting. [1](https://ameliarisk.com/insurance-policies/directors-and-officers/ "Directors & Officers Liability (D&O) Insurance") [2](https://ameliarisk.com/blog/beyond-the-certificate/ "Beyond the Certificate (podcast transcript)")

## Related Pages for D&O Insurance for Startups

- [Best D&O Insurance for Nonprofits](https://spot.insure/best/directors-officers/nonprofits)
- [Best Cyber Insurance for Startups](https://spot.insure/best/cyber/startups)
- [Best Employment Practices Liability Insurance for Startups](https://spot.insure/best/employment-practices/startups)
- [Best Fiduciary Liability Insurance for Startups](https://spot.insure/best/fiduciary/startups)
- [Best Tech E&O Insurance for Startups](https://spot.insure/best/technology-errors-omissions/startups)
- [Startup Insurance Basics](https://spot.insure/industries/startup)
- [Coverage Guide: D&O Insurance](https://spot.insure/coverage/directors-officers)
- [All Best D&O Insurance Pages](https://spot.insure/best/directors-officers)

## Sources for D&O Insurance for Startups

1. [Directors & Officers Liability (D&O) Insurance](https://ameliarisk.com/insurance-policies/directors-and-officers/). Amelia Risk; When should a company buy a Directors & Officers Liability (D&O) Policy? Accessed 2026-10-01.
2. [Beyond the Certificate (podcast transcript)](https://ameliarisk.com/blog/beyond-the-certificate/). Amelia Risk; D&O segment: when claims arise, underwriting timing, why not to wait for a transaction. Accessed 2026-10-01.
3. [Directors & Officers Insurance](https://foundershield.com/coverage/directors-and-officers-insurance/). Founder Shield; Who Needs D&O Insurance Coverage? (investors and term sheets). Accessed 2026-10-01.
4. [Directors and Officers (D&O) Insurance](https://riskcubeai.com/insurance/directors-and-officers). RiskCube; Who needs D&O. Accessed 2026-10-01.
5. [Management liability: Directors & Officers](https://www.risklytics.ai/lines/management/). Risklytics; Built for moments like these; When to buy. Accessed 2026-10-01.
6. [Directors & Officers](https://kinro.com/products/directors-and-officers). Kinro; Common fit; Triggers. Accessed 2026-10-01.
7. [Delaware General Corporation Law §145 Indemnification of officers, directors, employees and agents; insurance](https://delcode.delaware.gov/title8/c001/sc04/index.html). State of Delaware; §145(g) insurance. Accessed 2026-10-01.
8. [Directors & Officers (D&O) Insurance for Startups: form CORG-DO-0100 summary](https://www.corgi.insure/directors-and-officers). Corgi; What the policy pays for; Scenario notes; Policy notes; Available Add-ons (page last reviewed April 24, 2026). Accessed 2026-10-01.
9. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance. Accessed 2026-09-23.
10. [Directors & Officers Insurance Coverage: D&O Explained](https://www.embroker.com/coverage/directors-officers-insurance/). Embroker. Accessed 2026-09-23.
11. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers. Accessed 2026-09-23.
12. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers. Accessed 2026-09-23.
13. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers. Accessed 2026-09-23.
14. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers. Accessed 2026-09-23.
15. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai. Accessed 2026-09-23.
16. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance. Accessed 2026-09-23.

## How to Cite D&O Insurance for Startups

Best D&O Insurance for Startups (2026). Spot, updated 2026-10-01. https://spot.insure/best/directors-officers/startups. Quote a provider’s claim with its numbered source.

Updated 2026-10-01.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/best/directors-officers/startups.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)