---
title: "Beazley vs Risklytics D&O Insurance"
description: "Beazley underwrites private-company D&O up to $20 million; Risklytics places D&O with unnamed specialist insurers and cites a typical $1–3 million venture ask."
canonical: "https://spot.insure/compare/beazley-vs-risklytics/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Beazley vs Risklytics D&O Insurance

Beazley underwrites private-company D&O up to $20 million; Risklytics places D&O with unnamed specialist insurers and cites a typical $1–3 million venture ask.

## Research Scope and Use

Use this comparison to evaluate Beazley and Risklytics 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

Beazley underwrites private-company D&O itself, advertising limits up to US $20 million. Risklytics Insurance Services describes itself as a licensed producer that places D&O with outside specialist insurers, says the typical venture-backed ask is $1 million to $3 million, and starts the process through an online application with no broker fee on top of premium. [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)") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [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 Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [7](https://www.risklytics.ai/ "Insurance for Frontier Tech") [8](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [11](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Who Issues the Policy

Beazley underwrites private-company D&O. Risklytics Insurance Services describes itself as a licensed producer (NPN 22311838) that places Risklytics Directors & Officers Insurance with outside carriers and says it does not underwrite. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are")

Risklytics does not name the carrier and says it places business with specialist insurers willing to write robotics, autonomy and AI risk. Beazley’s reviewed D&O materials also do not name the issuing Beazley entity. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

### Limits and When Buyers Typically Purchase

Risklytics says the usual moment to buy is at or before a startup’s first priced round, because term sheets and incoming board members typically require D&O. Beazley’s reviewed D&O materials do not tie purchase to a priced round. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies. Beazley advertises private-company D&O limits up to US $20 million and a dedicated Excess Side A limit. [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

### How You Apply

You start Risklytics D&O through its online application; it says there is no broker fee on top of the premium and that a licensed producer stays on the file until bind. Beazley lists regional Executive Risk underwriters and brokers and does not describe a self-service new-business quote. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

## What to Confirm in D&O Insurance Quotes

- Ask Risklytics which specialist insurer would write the policy and whether the quoted limit is in the $1–3 million typical range. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

- Ask Beazley for Excess Side A and duty to defend versus pay on behalf. [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

- If robotics, autonomy or AI risk is in scope, ask both how the wording treats those claims. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

- Confirm fees: Risklytics says no broker fee on top of premium; Beazley’s reviewed materials do not discuss producer fees. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [5](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

## Offering Details

| Criteria | Beazley D&O – Private Companies | Risklytics Directors & Officers Insurance |
| --- | --- | --- |
| 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..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Directors & Officers Insurance with outside carriers; it says it does not underwrite policies itself. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| 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..) | Risklytics does not name the carrier that underwrites Risklytics Directors & Officers Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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..) | Risklytics says the norm is buying D&O at or before a startup's first priced round, since term sheets and incoming board members typically require it as a closing condition. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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 that responds for individual directors and officers when the company cannot indemnify them or the underlying limit is exhausted, 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..) | Risklytics describes D&O as protecting a founder's personal assets when an investor or regulator sues over how the company was run, citing an investor suit after a down round and a regulator inquiry into AI capability claims as examples, and distinguishes it from Tech E&O, which answers a customer's product-failure claim instead. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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..) | Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| 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..) | Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | You start Risklytics Directors & Officers Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |
| 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..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs Risklytics](https://spot.insure/compare/beazley-vs-risklytics): 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.
- [Beazley vs Risklytics Commercial Property Insurance](https://spot.insure/compare/beazley-vs-risklytics/commercial-property)
- [Beazley vs Risklytics Cyber Insurance](https://spot.insure/compare/beazley-vs-risklytics/cyber)
- [Beazley vs Risklytics General Liability Insurance](https://spot.insure/compare/beazley-vs-risklytics/general-liability)
- [Beazley vs Risklytics Tech E&O Insurance](https://spot.insure/compare/beazley-vs-risklytics/technology-errors-omissions)
- [Alliance Risk vs Beazley D&O Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/directors-officers)
- [Alliance Risk vs Risklytics D&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/directors-officers)
- [Amelia Risk vs Beazley D&O Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/directors-officers)
- [Amelia Risk vs Risklytics D&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/directors-officers)
- [Beazley vs CFC D&O Insurance](https://spot.insure/compare/beazley-vs-cfc/directors-officers)
- [Beazley vs Chubb D&O Insurance](https://spot.insure/compare/beazley-vs-chubb/directors-officers)

## Sources

### 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.

### Risklytics

6. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
7. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
8. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
9. [Directors & Officers Insurance](https://www.risklytics.ai/lines/management/). Risklytics; Coverage line: Directors & Officers; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
10. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### 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.

Updated 2026-09-24. 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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