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

TechInsurance reports a $133 monthly median D&O premium and describes standalone or add-on access; Beazley insures private-company coverage up to $20 million and offers a choice of defense structure.

TechInsurance says its D&O customers pay a median $133 a month and can add D&O to a general liability or business owner's policy; Beazley writes standalone private-company D&O with limits up to $20 million. ^3,^1,²

What Are the Key Differences Between Beazley and TechInsurance D&O Insurance?

Small-Company Add-On vs Large Standalone Limits

TechInsurance lets you buy D&O on its own or as an endorsement to your general liability policy or BOP, and prices it from your limit, deductible, headcount, revenue and IPO potential. Beazley sells standalone D&O, or ExecuGuard bundled with employment and fiduciary coverage, and publishes $20 million as its ceiling. Choose TechInsurance if you're a small tech company, startup or nonprofit that needs a modest D&O limit to satisfy a term sheet or board; choose Beazley if you need a limit in the millions or want to choose who controls your defense. ³ ¹ ²

Nonprofit Boards

TechInsurance names nonprofits in its D&O audience, noting most states require them to have a board. Beazley's reviewed product is for privately held companies and doesn't mention nonprofits, so a nonprofit should start with TechInsurance or ask Beazley directly. ³ ¹

What Should You Confirm in Beazley and TechInsurance D&O Insurance Quotes?

Ask TechInsurance whether your D&O would be a standalone policy or an endorsement, and which insurer issues it; an endorsement may share limits with the base policy. ³
Compare your actual TechInsurance premium to its $133 median, which reflects its own customers. ³
Ask Beazley whether your quote uses "duty to defend" or "pay on behalf," and to price the Excess Side A limit. ¹
Check the retroactive date on both quotes; D&O is claims-made, so coverage for past decisions depends on it. ³

Beazley vs TechInsurance D&O Insurance Compared

Beazley vs TechInsurance: D&O Insurance: documented features by provider

Criteria	Beazley D&O – Private Companies	TechInsurance Directors and Officers Insurance (D&O)
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. ^1,²Company-reported. Advertised maximum capacity, not a guaranteed quote amount.	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. ³Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
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.	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. ³Company-reported. D&O product page, Who needs D&O insurance coverage? section.
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.	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). ³Company-reported. D&O product page; general policy description, not a specific policy form. 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. ³Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.
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.	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. ³Company-reported. D&O product page.