---
title: "Beazley vs Counterpart: D&O Insurance"
description: "Beazley advertises private-company D&O limits up to $20 million and offers a choice between duty-to-defend and pay-on-behalf structures; Counterpart publishes separate private-company and nonprofit pages."
canonical: "https://spot.insure/compare/beazley-vs-counterpart/directors-officers"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "beazley-vs-counterpart"
provider-a: "beazley"
provider-b: "counterpart"
coverage-line: "directors-officers"
---

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

## Agent Guide

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

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

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

Beazley advertises private-company D&O limits up to $20 million and offers a choice between duty-to-defend and pay-on-behalf structures; Counterpart publishes separate private-company and nonprofit pages.

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

Use this comparison to evaluate Beazley 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.

## Beazley vs Counterpart D&O Insurance Summary

Beazley advertises a private-company maximum of $20 million, subject to underwriting, and a choice of defense structure; Counterpart markets separate private-company and nonprofit D&O pages. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [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 Beazley?

Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## 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 Beazley and Counterpart D&O Insurance?

### Advertised Limit and Defense Arrangement

Beazley advertises private-company D&O limits up to $20 million, with actual limits and retentions set through underwriting. Its product page also lets policyholders choose between a duty to defend and payment on behalf of the insured, with the issued policy controlling the defense obligations. Counterpart publishes separate pages for private companies and nonprofits, with eligibility depending on the proposed risk and insurer review. For a board comparing a requested limit or defense arrangement, use the Beazley page as a starting point and ask each broker to show those terms in the proposed form. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [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")

### Standalone D&O and Package Placement

Beazley lists private-company D&O as a standalone product and also includes D&O with employment-practices and fiduciary coverage in ExecuGuard, where limits may be separate or shared. Counterpart's D&O pages distinguish private-company and nonprofit audiences. A company considering ExecuGuard can ask whether its D&O limit is shared with the other package lines; an organization approaching Counterpart should identify the page and segment that match its legal form. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [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 Beazley and Counterpart D&O Insurance Quotes?

- Which Beazley defense option, limit, and retention will the declarations show, and are ExecuGuard limits shared across its three lines? [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)")
- Which Counterpart segment applies to your entity, and which proposed form and insurer will the broker provide? [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") [10](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")

## Beazley vs Counterpart D&O Insurance Compared

| Criteria | Beazley D&O – Private Companies | Private Company and Nonprofit Directors & Officers Liability |
| --- | --- | --- |
| Role in This Line | Beazley underwrites private-company directors and officers (D&O) liability itself, offered as a standalone product on its D&O - Private Companies page and bundled with employment practices and fiduciary liability coverage in its ExecuGuard package policy. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US private-company D&O as described on the two reviewed product pages; does not establish which entity issues a particular policy..) | 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 | Neither the D&O - Private Companies page nor the ExecuGuard page names the specific Beazley insurance entity that issues the policy; ExecuGuard states both admitted and non-admitted versions are available, so the issuing carrier depends on the policy placed. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Not found in reviewed sources; scope: Both product pages as read on 2026-09-23; the issued policy's declarations control the actual insurer..) | Confirm in your quote. |
| Who It’s For | The D&O page targets privately held companies of all sizes facing litigation such as employment allegations, fraud and misrepresentation claims, without a stated employee-count or revenue threshold on that page. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: Private-company D&O only; ExecuGuard buyers can additionally choose to share limits across D&O, EPL and fiduciary coverages..) | 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 | The D&O product lets the policyholder choose between a "duty to defend" or "pay on behalf" claim-handling structure, and Beazley says it pays 100% of defense costs for covered loss. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: D&O - Private Companies product page; actual defense obligations and cost-sharing are set by the issued policy..)<br><br>Beazley offers a dedicated additional Excess Side A limit for individual directors and officers, plus an optional employed-lawyers errors-and-omissions extension. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: D&O - Private Companies product page; availability and pricing of the extension depend on underwriting..) | 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 | Beazley advertises private-company D&O limits up to US $20 million, on either an admitted or non-admitted (surplus lines) basis; actual limits and retentions are set by underwriting and appear on the declarations. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: Advertised maximum capacity, not a guaranteed quote amount..) | Confirm in your quote. |
| Risk Services | D&O policyholders get pre-approved choice-of-counsel flexibility, and law-firm insureds can access a bespoke executive-risk wording through Beazley's related Practice Protect product. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: D&O - Private Companies product page; scope and terms of the Practice Protect wording were not independently reviewed..) | Confirm in your quote. |
| How to Apply | Beazley lists a downloadable EPL renewal application as a tool on the D&O page and names regional Executive Risk underwriters and brokers as contacts, but the reviewed page does not describe a self-service online quoting flow for new D&O business. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: D&O - Private Companies product page as read on 2026-09-23; buyers typically work through a broker or underwriter contact..) | Confirm in your quote. |
| Claims Support | Beazley illustrates its D&O claims approach with a securities class-action and shareholder derivative-action scenario in which its claims team worked with the insured's defense counsel toward a dismissal, avoiding a settlement; this is a single company-reported example, not audited claims-outcome data. [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: ExecuGuard page scenario section; outcome statistics are not independently verified..) | Confirm in your quote. |

## Related Pages for Beazley vs Counterpart D&O Insurance

- [Beazley vs Counterpart](https://spot.insure/compare/beazley-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.
- [Beazley vs Counterpart Crime Insurance](https://spot.insure/compare/beazley-vs-counterpart/crime)
- [Beazley vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-counterpart/employment-practices)
- [Beazley vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-counterpart/fiduciary)
- [Beazley vs Counterpart General Liability Insurance](https://spot.insure/compare/beazley-vs-counterpart/general-liability)
- [Beazley vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-counterpart/medical-malpractice)
- [Beazley vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-counterpart/professional-errors-omissions)
- [AIG vs Beazley D&O Insurance](https://spot.insure/compare/aig-vs-beazley/directors-officers)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers)
- [Alliance Risk vs Beazley D&O Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/directors-officers)
- [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers)
- [Amelia Risk vs Beazley D&O Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/directors-officers)
- [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers)

## Sources for Beazley vs Counterpart D&O Insurance

### Sources About Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available; Examples or Scenarios: California securities class action/derivative action. Accessed 2026-09-23.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [D&O - Private Companies](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/). Beazley; What we offer; How can we help: duty to defend/pay on behalf, 100% defense for covered loss, Excess Side A limit, private placement coverage, Practice Protect for lawyers; Up to US $20,000,000; Tools & Resources: EPL_RenewalApp. 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.

## Beazley Review Scores for 2026

Review Score: 5.6 / 10 from 1 rated source, equally weighted.

Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.

- WalletHub: WalletHub aggregate rating 2.8 (5 stars); 15 reviews. WalletHub profile for Beazley Insurance Company; mixed business, professional-liability and health-insurance product labels and user/cross-site reviews. Product issuer/entity relationship is not resolved for every review. Period: page updated 2026-01-08. Checked 2026-09-25. [Beazley Insurance Company Reviews: 15 User Ratings](https://wallethub.com/profile/bi/beazley-insurance-company-13013121i)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/beazley/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).

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