---
title: "Beazley vs Relm Insurance: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/beazley-vs-relm/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "beazley-vs-relm"
provider-a: "beazley"
provider-b: "relm"
coverage-line: "directors-officers"
---

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

## Agent Guide

**What this page is:** Focused comparison of Beazley and Relm Insurance 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 Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Relm Insurance for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Beazley or Relm Insurance?
- What does Beazley or Relm Insurance publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Beazley and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-29.

**Related pages:**
- [Beazley vs Relm Insurance](https://spot.insure/compare/beazley-vs-relm) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 its private-company D&O terms and limits up to $20 million, while Relm writes custom D&O for Web3, biotech and AI companies through your broker with no published limits.

## Beazley vs Relm Insurance D&O Insurance Summary

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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") Beazley's page targets private companies of any size facing employment, fraud and misrepresentation claims and doesn't name those sectors. [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

### 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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- 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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)")
- If you're in Web3, biotech or AI, ask each how the wording treats your core activities. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")
- Get Relm's limit in writing and compare it with Beazley's quoted limit. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

## Beazley vs Relm Insurance D&O Insurance Compared

| 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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [2](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..) | 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](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. [1](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..) | 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [2](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..) | 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. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About Beazley and Relm Insurance and D&O Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

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

- [Beazley vs Relm Insurance](https://spot.insure/compare/beazley-vs-relm): 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 D&O Insurance](https://spot.insure/insurance-providers/beazley/directors-officers)
- [Relm Insurance D&O Insurance](https://spot.insure/insurance-providers/relm/directors-officers)

## Sources for Beazley vs Relm Insurance D&O Insurance

### Sources About Beazley

1. [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.
2. [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.

### Sources About Relm Insurance

3. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Directors and Officers (D&O) Liability Insurance: What Is D&O Liability Insurance?; Risk Is Part of the Role. Personal Exposure Doesn't Have to Be.; What Does D&O Insurance Cover?. Accessed 2026-09-23.

Updated 2026-09-29. 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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