CFC vs Risklytics: How Do They Compare for D&O Insurance?

Risklytics lists a $1 million to $3 million typical D&O limit ask for venture-backed companies; CFC packages D&O with US management liability and separately offers Side A DIC excess cover.

Risklytics is an online broker for venture-backed startups, especially in AI and robotics, citing a typical $1 million to $3 million D&O limit and no broker fee on top of premium. CFC sells D&O inside a management liability package that declines California-based and US publicly traded companies. ^1,^2,^6,⁵

What Are the Key Differences Between CFC and Risklytics D&O Insurance?

Startup Broker for Your First Priced Round vs Package Insurer

Risklytics says most startups buy D&O at or before their first priced round because term sheets and new board members require it. It describes the policy protecting founders' personal assets when an investor or regulator sues, citing a down-round investor suit and a regulator probe into AI capability claims. ⁵ ⁷ It doesn't underwrite: it places you with specialist insurers willing to write robotics, autonomy and AI risk. ⁶ CFC includes D&O in its US Management Liability package and publishes no D&O dollar limit. ¹ ² Choose Risklytics if you're a venture-backed AI, robotics or autonomy startup raising a priced round; choose CFC if you're a private company outside California that wants D&O packaged with other management liability. ⁵ ²

How You Apply and Who Handles Claims

You start with Risklytics through an online application, and a licensed producer stays on your file until the policy is bound. ⁵ CFC adds an extra limit for insured persons (amount not published), sells Side A DIC separately, and assigns one adjuster to a US claim from notice to resolution. ² ¹ ⁴

What Should You Confirm in CFC and Risklytics D&O Insurance Quotes?

Ask Risklytics which insurer would write your policy; it doesn't name one. ⁶
Check Risklytics' quoted limit against the $1–3 million it calls typical and against what your term sheet requires. ⁷
If you're California-based or public, ask CFC upfront whether you can get the package. ²
Ask CFC for the extra insured-persons amount and Side A DIC pricing, and ask any broker quoting CFC what it charges on top of premium. ² ¹

CFC vs Risklytics D&O Insurance Compared

CFC vs Risklytics: D&O Insurance: documented features by provider

Criteria	CFC Directors & Officers Liability	Risklytics Directors & Officers Insurance
Who It’s For	CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. ²Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.	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. ⁵Company-reported. Lines page.
Coverage Features	CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. ²Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms. CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. ²Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages. CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. ¹Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here.	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. ⁵Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. ^1,²Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it.	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. ⁶Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

Criteria

CFC Directors & Officers Liability

Risklytics Directors & Officers Insurance

Who It’s For

CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. ²Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business.

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. ⁵Company-reported. Lines page.

Coverage Features

CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. ²Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms.

CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. ²Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages.

CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. ¹Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here.

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. ⁵Company-reported. Lines page; the issued policy and declarations control actual coverage.

Role in This Line

CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. ^1,²Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it.

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. ⁶Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.