Beazley vs 
Relm Insurance: How Do They Compare for D&O Insurance?
Relm Insurance places custom D&O through brokers for emerging sectors such as Web3, biotech, and AI; Beazley insures private-company policies with limits up to $20 million.
Beazley publishes how its private-company D&O works: limits up to $20 million, Excess Side A, and your choice of duty-to-defend or pay-on-behalf. Relm writes custom D&O for fast-moving sectors such as Web3, biotech and AI, only through your broker. 1,2,3
What Are the Key Differences Between Beazley and Relm Insurance D&O Insurance?
Published Terms vs Custom Cover for Emerging Sectors
Beazley sells its D&O through its Executive Risk underwriters and brokers, and adds pre-approved choice of counsel to its published features. 1 Relm has no direct quote: your broker places D&O through Relm, and it describes custom coverage rather than one standard form. Relm names Web3 founders, biotech leaders and AI companies and says startups especially need D&O to attract board members. 3 Beazley's page targets private companies of any size facing employment, fraud and misrepresentation claims and doesn't name those sectors. 1 Choose Relm if you're a Web3, biotech or AI company that a standard form may not fit; choose Beazley if you're a private company that wants published limits and control over how your defense is run. 3 1
What You Can Check Before You Quote
With Beazley you can read the limit ceiling, defense options and Side A setup before asking for a quote. Relm only describes what D&O does in general (it pays legal fees, settlements and losses when leaders are held liable) and publishes no limits or risk, governance or claims services, so everything specific comes on the quote. 1 3
What Should You Confirm in Beazley and Relm Insurance D&O Insurance Quotes?
- Ask Relm which broker would place your policy and which insurer would issue it; its page doesn't say. 3
- Ask Beazley whether Excess Side A and your preferred defense option are in the quote, and which Beazley company issues it (admitted or surplus lines). 1 2
- If you're in Web3, biotech or AI, ask each how the wording treats your core activities. 3 1
- Get Relm's limit in writing and compare it with Beazley's quoted limit. 3 1
Beazley vs Relm Insurance D&O Insurance Compared
Beazley vs Relm Insurance: D&O Insurance: documented features by provider
| Criteria | Beazley D&O – Private Companies | Relm Directors and Officers Liability Insurance |
|---|---|---|
| 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. 1,2Company-reported. Private-company D&O only; ExecuGuard buyers can additionally choose to share limits across D&O, EPL and fiduciary coverages. | Relm targets companies in disruptive or fast-changing sectors, naming Web3 founders, biotechnology leaders and AI pioneers as examples, and says any company with a board benefits, with startups especially needing it to attract executives. 3Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company. |
| 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. 1Company-reported. D&O - Private Companies product page as read on 2026-09-23; buyers typically work through a broker or underwriter contact. | Relm sells D&O through insurance brokers (its page says brokers can use Relm to protect clients' leadership teams); it does not describe a direct online quote. 3Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages. |
| 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. 1Company-reported. D&O - Private Companies product page; actual defense obligations and cost-sharing are set by the issued policy. Beazley offers a dedicated additional Excess Side A limit for individual directors and officers, plus an optional employed-lawyers errors-and-omissions extension. 1Company-reported. D&O - Private Companies product page; availability and pricing of the extension depend on underwriting. | Relm says D&O coverage generally protects directors and officers' personal assets by covering legal fees, settlements and financial losses when they are held liable for decisions made managing the company, including claims from shareholders, regulators, competitors or employees. 3Company-reported. Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control. |
| 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. 1,2Company-reported. US private-company D&O as described on the two reviewed product pages; does not establish which entity issues a particular policy. | Relm markets D&O liability as a line brokers can place through Relm for their clients, describing custom coverage rather than a one-size-fits-all policy. 3Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
