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

For venture-backed companies, Risklytics lists a $1 million to $3 million typical D&O limit ask and an online application; Alliance Risk publishes indicative price and D&O price and limit ranges.

Risklytics takes D&O applications online, charges no broker fee and targets robotics, autonomy and AI startups needing $1 million to $3 million. Alliance Risk publishes Side A bands from $2 million to $25 million or more and reviews your existing forms at no charge. ^1,^3,^5,⁴

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

Online Application vs Document-Based Review

You start Risklytics D&O with an online application, and a licensed producer stays on the file until the policy is bound. ⁵ Alliance Risk asks for a list of documents instead of a self-serve form, then reviews your program and takes it to management-liability specialists. ¹ Choose Risklytics if you are a venture-backed robotics, autonomy or AI startup buying your first $1 million to $3 million; choose Alliance Risk if you are a larger private company that needs $5 million or more of Side A or wants your current forms checked for gaps. ³ ¹

Limits Sized for Startups vs Larger Private Companies

Risklytics lists $1 million to $3 million as the typical ask for venture-backed companies. ³ Alliance Risk's Side A bands run $2 million to $5 million for mid-size companies and $5 million to $25 million or more for larger private ones, with premium ranges by company size. ¹ These are sample figures, so use them to sanity-check a quote, not as a price.

Timing and Broker Fees

Both tell founders to buy D&O around the first priced round; Risklytics adds that term sheets and incoming board members usually require it. ² ³ Risklytics says it adds no broker fee on top of the premium. ⁵ Alliance Risk's D&O pages don't state its fees, so ask.

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

Compare your quoted limit to Risklytics' $1–3 million typical ask and Alliance Risk's Side A band for your size. ³ ¹
Check the Risklytics invoice for any broker fee. ⁵
If you work in robotics, autonomy or AI, ask Risklytics which specialist insurer would write your policy; it places with outside insurers and doesn't underwrite itself. ⁴ ³
Ask Alliance Risk which insurer would issue your policy; its D&O page doesn't name one. ¹

Alliance Risk vs Risklytics D&O Insurance Compared

Alliance Risk vs Risklytics: D&O Insurance: documented features by provider

Criteria	Alliance Risk Directors & Officers (D&O) Insurance	Risklytics Directors & Officers Insurance
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. ¹Company-reported. D&O product page; illustrative bands, not a quote for any particular company. 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. ²Company-reported. Management liability page's discussion of bundled D&O, EPLI and fiduciary programs.	Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. ³Company-reported. Lines page; actual limits are set on the bound policy.
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. ¹Company-reported. D&O product page; eligibility for a particular company depends on underwriting. 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. ²Company-reported. Management liability page's program-staging guidance, describing D&O specifically among the three bundled lines.	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. ³Company-reported. Lines page.
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. ¹Company-reported. D&O product page, What We Need for Your Quote section; timing is a company estimate, not a guarantee.	You start Risklytics Directors & Officers Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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. ¹Company-reported. D&O product page; actual policy structure and whether sides are combined or separately limited depend on the carrier and the policy as issued. 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. ¹Company-reported. D&O product page; exclusion wording varies by carrier and the policy as issued.	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. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
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. ¹Company-reported. D&O product page; Alliance Risk does not underwrite the policy itself.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Directors & Officers Insurance with outside carriers; it says it does not underwrite policies itself. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
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. ¹Company-reported. D&O product page, Get Your D&O Risk Review section.	Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. ³Company-reported. Lines page.