Alliance Risk vs 
TechInsurance: How Do They Compare for D&O Insurance?
TechInsurance publishes a $133 monthly median D&O premium and describes standalone or add-on purchase; Alliance Risk brokers carrier placements and shows price bands by company size.
TechInsurance can add D&O as an endorsement to your general liability or business owner's policy and reports a $133 median monthly premium. Alliance Risk shops standalone D&O to specialist carriers and publishes Side A bands starting around $2 million. 1,3
What Are the Key Differences Between Alliance Risk and TechInsurance D&O Insurance?
Specialist Standalone Placement vs D&O Added to Your Small-Business Policy
Alliance Risk reviews your existing program and markets D&O to management-liability specialists. 1 TechInsurance arranges D&O either as its own policy or as an endorsement to general liability or a business owner's policy, which keeps a small company on one bill. 3 Choose TechInsurance if you are a small business that wants basic D&O bolted onto coverage you already buy; choose Alliance Risk if you have raised institutional money and need a dedicated Side A tower. 2
Employment Claims May or May Not Be Covered
TechInsurance says its D&O answers suits over employment practices, fund mismanagement, bylaws, regulatory non-compliance or IP infringement. Alliance Risk says employment practices and ERISA claims usually need separate EPLI or fiduciary coverage. If you are counting on D&O to cover an employee lawsuit, read the exclusions on the issued form. 3 1
TechInsurance's D&O is claims-made and excludes criminal acts such as fraud or embezzlement. Alliance Risk lists fraud, intentional misconduct, criminal acts, bodily injury, property damage and often prior acts among exclusions it sees on placements. 3 1
$133 a Month vs $2,500 to $500,000 a Year
TechInsurance says its policyholders pay a median of $133 per month. Alliance Risk's premium bands run from $2,500–$10,000 a year for small private companies to $50,000–$500,000 for large private companies. Neither figure is a quote, but they signal that TechInsurance targets smaller buyers. 3 1
What Should You Confirm in Alliance Risk and TechInsurance D&O Insurance Quotes?
- Ask TechInsurance whether your D&O would be standalone or an endorsement to GL or a BOP, and whether an endorsement shares that policy's limit. 3
- Ask both whether employment-practices claims are covered on the D&O form or need EPLI. 1 3
- Ask for the retroactive date and how prior acts are treated. 3 1
- Ask both to name the issuing insurer; neither reviewed source does. 1 3
Alliance Risk vs TechInsurance D&O Insurance Compared
Alliance Risk vs TechInsurance: D&O Insurance: documented features by provider
| Criteria | Alliance Risk Directors & Officers (D&O) Insurance | TechInsurance Directors and Officers Insurance (D&O) |
|---|---|---|
| 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. | TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. 3Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| 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. | 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. 3Company-reported. D&O product page, Who needs D&O insurance coverage? section. |
| 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. | TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). 3Company-reported. D&O product page; general policy description, not a specific policy form. TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. 3Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections. |
| 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. | TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. 3Company-reported. D&O product page. |
