---
title: "Alliance Risk vs Counterpart: D&O Insurance"
description: "Alliance Risk describes Side A, B, and C structures and shared-limit tradeoffs; Counterpart publishes separate private-company and nonprofit D&O pages."
canonical: "https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "alliance-risk-vs-counterpart"
provider-a: "alliance-risk"
provider-b: "counterpart"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk and Counterpart for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Alliance Risk versus Counterpart. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Alliance Risk vs Counterpart for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Alliance Risk or Counterpart?
- What does Alliance Risk or Counterpart publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from Alliance Risk or Counterpart?

**Key facts:**
- Line: D&O Insurance. Providers: Alliance Risk and Counterpart.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Alliance Risk vs Counterpart](https://spot.insure/compare/alliance-risk-vs-counterpart) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence)
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [Alliance Risk vs Counterpart Crime Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk D&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Amelia Risk D&O Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon D&O Insurance](https://spot.insure/compare/alliance-risk-vs-aon/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Beazley D&O Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/directors-officers) — sibling comparison (other line, or other pair for this line)

# Alliance Risk vs Counterpart: How Do They Compare for D&O Insurance?

Alliance Risk describes Side A, B, and C structures and shared-limit tradeoffs; Counterpart publishes separate private-company and nonprofit D&O pages.

## How to Use the Alliance Risk vs Counterpart D&O Insurance Comparison

Use this comparison to evaluate Alliance Risk and Counterpart 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.

## Alliance Risk vs Counterpart D&O Insurance Summary

Alliance Risk explains Side A/B/C and warns that bundled management-liability limits can erode; Counterpart separates private-company and nonprofit D&O offerings. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [8](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [9](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

## What Is Alliance Risk?

Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [6](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [7](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [11](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [12](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [13](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## What Are the Key Differences Between Alliance Risk and Counterpart D&O Insurance?

### D&O Structure and Limit Erosion

Alliance Risk describes Side A for individual leaders, Side B reimbursement when the company indemnifies them, and Side C entity coverage. It also warns that entry-level packages may share one aggregate across D&O, employment practices, and fiduciary coverage, leaving less for a later D&O claim. Counterpart publishes a private-company D&O page and a separate page for not-for-profit organizations. Ask both brokers whether the quote separates these limits and which entity is eligible. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [8](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [9](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

### Program Review and Product Scope

Alliance Risk offers a no-charge review of an existing D&O policy for gaps in its A/B/C structure and missing endorsements. Counterpart’s reviewed sources describe private-company management claims and a separate nonprofit product page, but do not describe an equivalent review service. A company should bring its current declarations and funding or board requirements to the quote discussion, then confirm whether its proposed Counterpart segment and carrier match those needs. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [8](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [9](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

## What Should You Confirm in Alliance Risk and Counterpart D&O Insurance Quotes?

- Does Alliance Risk recommend separate or shared aggregates, and what happens to Side A capacity after another management-liability claim? [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")
- Which Counterpart segment, insurer, and illustrative limits apply to your company or nonprofit? [9](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

## Alliance Risk vs Counterpart D&O Insurance Compared

| Criteria | Alliance Risk Directors & Officers (D&O) Insurance | Private Company and Nonprofit Directors & Officers Liability |
| --- | --- | --- |
| Role in This Line | Alliance Risk places D&O insurance as a broker: it reviews a company's existing D&O program and markets the risk to carriers that specialize in management liability. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; Alliance Risk does not underwrite the policy itself..) | Counterpart describes itself as distributing insurance through its producer and surplus-lines broker and says businesses access the program through a wholesale broker. [6](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [10](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited pages do not map a particular insurer to a D&O quote or state..) |
| Issuing Insurer | The reviewed D&O page does not name the insurer that would issue a policy; it says Alliance Risk markets a company's risk to carriers that specialize in management liability, so the issuing insurer depends on the placement. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Not publicly disclosed; scope: D&O product page as read on 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Alliance Risk says D&O is relevant to venture-backed and public companies, high-risk industries such as fintech, healthcare, real estate and financial services, companies going through M&A, IPO or leadership changes, nonprofits, and small private companies without outside investors. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; eligibility for a particular company depends on underwriting..)<br><br>Alliance Risk says a company should turn on D&O coverage at its first priced funding round, because institutional investment brings personal exposure for directors and officers from day one. [5](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's program-staging guidance, describing D&O specifically among the three bundled lines..) | Counterpart publishes a private-company D&O product page and a separate D&O page for not-for-profit organizations. [8](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [9](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: Separate product pages show different marketed segments; eligibility depends on the proposed risk and insurer review..) |
| Coverage Features | Alliance Risk describes D&O policies it places as having three parts: Side A for individual directors and officers when the company cannot indemnify them, Side B reimbursing the company for indemnification costs, and Side C covering the company directly for certain liabilities. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; actual policy structure and whether sides are combined or separately limited depend on the carrier and the policy as issued..)<br><br>Alliance Risk lists standard D&O exclusions it sees, including fraud and intentional misconduct, criminal acts, bodily injury and property damage, and often prior acts before the policy started; it says employment practices and ERISA benefit-plan claims are typically excluded and need separate EPLI or fiduciary liability coverage. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; exclusion wording varies by carrier and the policy as issued..) | The private-company D&O page describes protection for management-liability claims and includes illustrative coverage and limit examples. [8](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: Illustrations and summaries are not policy terms or an available limit commitment..)<br><br>Counterpart separately markets D&O for not-for-profit organizations. [9](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: The retained page summary does not establish a particular nonprofit’s eligibility or the terms of its policy..) |
| Limits and Retentions | Alliance Risk publishes indicative Side A limit and premium ranges: mid-size companies ($5M-$50M revenue) typically carry $2M-$5M in Side A limits, and larger private companies $5M-$25M or more. It shows overall D&O premium bands from $2,500-$10,000 for small private companies up to $50,000-$500,000 for large private companies, noting fintech, crypto and venture-backed companies often pay 2-3x more. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page; illustrative bands, not a quote for any particular company..)<br><br>Alliance Risk says entry-level management-liability packages that bundle D&O with EPLI and fiduciary often share a single aggregate limit, so a large EPLI or fiduciary settlement earlier in the policy year can reduce what is left for a later D&O claim; it says a specialist broker structures shared versus separate limits to manage that risk. [5](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's discussion of bundled D&O, EPLI and fiduciary programs..) | Confirm in your quote. |
| Risk Services | Alliance Risk offers a no-charge review of an existing D&O policy, identifying gaps in the Side A/B/C structure and missing endorsements and comparing the program to market options. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page, Get Your D&O Risk Review section..) | Confirm in your quote. |
| How to Apply | For a D&O quote, Alliance Risk asks for company revenue, industry and stage, board composition, investor structure, current D&O coverage and carrier, five-year claims history and upcoming events such as M&A or an IPO, and says it typically delivers proposals within a few business days. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Company-reported; scope: D&O product page, What We Need for Your Quote section; timing is a company estimate, not a guarantee..) | Confirm in your quote. |
| Claims Support | The reviewed D&O page does not describe an Alliance Risk claims-handling or claims-advocacy process; it discusses what a D&O policy covers rather than how Alliance Risk itself supports a claim. [4](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") (Evidence: Not found in reviewed sources; scope: D&O product page as read on 2026-09-23..) | Confirm in your quote. |

## Related Pages for Alliance Risk vs Counterpart D&O Insurance

- [Alliance Risk vs Counterpart](https://spot.insure/compare/alliance-risk-vs-counterpart): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Alliance Risk vs Counterpart Crime Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/crime)
- [Alliance Risk vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/employment-practices)
- [Alliance Risk vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/fiduciary)
- [Alliance Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/general-liability)
- [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions)
- [AIG vs Alliance Risk D&O Insurance](https://spot.insure/compare/aig-vs-alliance-risk/directors-officers)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers)
- [Alliance Risk vs Amelia Risk D&O Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/directors-officers)
- [Alliance Risk vs Aon D&O Insurance](https://spot.insure/compare/alliance-risk-vs-aon/directors-officers)
- [Alliance Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/directors-officers)
- [Alliance Risk vs Beazley D&O Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/directors-officers)

## Sources for Alliance Risk vs Counterpart D&O Insurance

### Sources About Alliance Risk

1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
4. [Directors & Officers Insurance (D&O)](https://joinalliancerisk.com/directors-officers-insurance-do/). Alliance Risk; D&O Insurance: Protecting Directors and Officers From Personal Liability; The Three Sides of D&O Coverage; What D&O Insurance Does NOT Cover; Who Needs D&O Insurance?; D&O Insurance Cost: What to Expect; How to Buy D&O Insurance; Get Your D&O Risk Review. Accessed 2026-09-23.
5. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; The shared limit problem; How to structure the program as you scale. Accessed 2026-09-23.

### Sources About Counterpart

6. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
7. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
8. [Private Directors & Officers Liability Insurance](https://yourcounterpart.com/products/do). Counterpart, Inc.; Retained provider source: product page sections on covered organizations, coverage, example limits/retentions and capacity; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
9. [Not-for-Profit Directors & Officers Insurance](https://yourcounterpart.com/products/not-for-profit-do). Counterpart, Inc.; Retained provider source: product page sections on nonprofit eligibility, coverage and underwriting partners; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
10. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Sources for the D&O Insurance Guide

11. [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.
12. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
13. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Alliance Risk Review Scores for 2026

Review Score: not enough ratings.

Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/reviews).

## Counterpart Review Scores for 2026

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [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)