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

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

## Agent Guide

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

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

**Key facts:**
- Line: D&O Insurance. Providers: Beazley and TechInsurance.
- 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 TechInsurance](https://spot.insure/compare/beazley-vs-techinsurance) — 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
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 is the cheaper-looking entry point, with a $133 median monthly premium and D&O that can attach to a GL or BOP; Beazley is the insurer to use when you need up to $20 million.

## Beazley vs TechInsurance D&O Insurance Summary

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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [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)")

## 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [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)")

### 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")

## 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")
- Compare your actual TechInsurance premium to its $133 median, which reflects its own customers. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")
- Ask Beazley whether your quote uses "duty to defend" or "pay on behalf," and to price the Excess Side A limit. [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")
- Check the retroactive date on both quotes; D&O is claims-made, so coverage for past decisions depends on it. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## Beazley vs TechInsurance D&O Insurance Compared

| 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](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: 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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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](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..) | 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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [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..) | 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). [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)<br><br>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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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](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..) | 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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) |

## About Beazley and TechInsurance and D&O Insurance

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

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

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

## Sources for Beazley vs TechInsurance 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 TechInsurance

3. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). 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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