---
title: "Alliance Risk vs TechInsurance D&O Insurance"
description: "Alliance Risk posts Side A bands as a broker; TechInsurance reports a $133 median monthly premium and a claims-made form."
canonical: "https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Alliance Risk vs TechInsurance D&O Insurance

Alliance Risk posts Side A bands as a broker; TechInsurance reports a $133 median monthly premium and a claims-made form.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and TechInsurance 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.

## Summary

Alliance Risk brokers D&O with published Side A limit bands, while TechInsurance arranges D&O as a standalone policy or as an endorsement to general liability or a BOP, says it is claims-made, and reports a median premium of $133 per month from its own book. [3](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## What Is Alliance Risk?

Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. [1](https://joinalliancerisk.com/about-us/ "About Us") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

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

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Standalone Placement Versus an Endorsement Option

Alliance Risk places D&O as a broker that reviews an existing program and markets it to management-liability specialists. [3](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") TechInsurance arranges D&O as a standalone policy or as an endorsement to general liability or a business owner’s policy. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

Neither Alliance Risk nor TechInsurance names the issuing insurer in the reviewed sources. [3](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

### Employment Practices on the Form

TechInsurance describes D&O as answering suits over employment practices, fund mismanagement, bylaws, regulatory non-compliance or IP infringement. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") Alliance Risk says employment practices and ERISA claims typically need separate EPLI or fiduciary coverage. [3](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") Those two descriptions do not match, so the issued forms have to be compared.

TechInsurance also says D&O is claims-made and excludes criminal acts such as fraud or embezzlement. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") Alliance Risk lists fraud, intentional misconduct, criminal acts, bodily injury and property damage, and often prior acts, among exclusions it sees on placements. [3](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")

### Price Figures

Alliance Risk publishes overall D&O premium bands from $2,500–$10,000 for small private companies up to $50,000–$500,000 for large private companies. [3](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") TechInsurance says policyholders pay a median of $133 per month from its own book. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") Those figures are not comparable quotes.

## What to Confirm in D&O Insurance Quotes

- Ask TechInsurance whether D&O would be standalone or an endorsement to GL or a BOP. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

- Ask both whether employment-practices claims sit on the D&O form or need EPLI. [3](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

- Confirm the claims-made retro date and prior-acts treatment. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [3](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)")

- Get the issuing insurer from both. [3](https://joinalliancerisk.com/directors-officers-insurance-do/ "Directors & Officers Insurance (D&O)") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## Offering Details

| Criteria | Alliance Risk Directors & Officers (D&O) Insurance | TechInsurance Directors and Officers Insurance (D&O) |
| --- | --- | --- |
| 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. [3](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..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) |
| 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. [3](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..) | The reviewed page does not name the issuing insurer for a D&O policy. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Not publicly disclosed; scope: D&O product page as read on 2026-09-23..) |
| 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. [3](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. [4](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..) | 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. [7](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..) |
| 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. [3](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. [3](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..) | 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). [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)<br><br>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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, How does directors and officers insurance work? and exclusions sections..) |
| 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. [3](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. [4](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..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| 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. [3](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..) | Not described in the reviewed sources. |
| 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. [3](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..) | Not described in the reviewed sources. |
| 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. [3](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..) | Not described in the reviewed sources. |

## Full Comparison

- [Alliance Risk vs TechInsurance](https://spot.insure/compare/alliance-risk-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Alliance Risk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-techinsurance/business-owners-policy)
- [Alliance Risk vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/commercial-auto)
- [Alliance Risk vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/commercial-property)
- [Alliance Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/cyber)
- [Alliance Risk vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/employment-practices)
- [Alliance Risk vs TechInsurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/general-liability)
- [Alliance Risk vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/inland-marine)
- [Alliance Risk vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/professional-errors-omissions)
- [Alliance Risk vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/technology-errors-omissions)
- [Alliance Risk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/umbrella-excess)
- [Alliance Risk vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Amelia Risk D&O Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/directors-officers)
- [Alliance Risk vs Beazley D&O Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/directors-officers)
- [Alliance Risk vs CFC D&O Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/directors-officers)
- [Alliance Risk vs Chubb D&O Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/directors-officers)
- [Alliance Risk vs Coalition D&O Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/directors-officers)
- [Alliance Risk vs Corgi D&O Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/directors-officers)

## Sources

### Alliance Risk

1. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. 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. [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.
4. [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.

### TechInsurance

5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). Accessed 2026-09-23.

### D&O Insurance Guide

8. [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.

Updated 2026-09-23. 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.

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- [Markdown page](https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers.md)
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- [Public page index](https://spot.insure/llms.txt)