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

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

## Agent Guide

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

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

**Key facts:**
- Line: D&O Insurance. Providers: CFC and Risklytics.
- 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:**
- [CFC vs Risklytics](https://spot.insure/compare/cfc-vs-risklytics) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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.

Venture-backed AI and robotics startups can apply online with Risklytics for a typical $1–3 million D&O limit, while CFC's D&O package excludes California-based and public companies.

## CFC vs Risklytics D&O Insurance Summary

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](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") [5](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")

## 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [7](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") It doesn't underwrite: it places you with specialist insurers willing to write robotics, autonomy and AI risk. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") CFC includes D&O in its US Management Liability package and publishes no D&O dollar limit. [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [4](https://www.cfc.com/en-us/claims/ "Claims")

## 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](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- Check Risklytics' quoted limit against the $1–3 million it calls typical and against what your term sheet requires. [7](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")
- If you're California-based or public, ask CFC upfront whether you can get the package. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability")

## CFC vs Risklytics D&O Insurance Compared

| 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. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [5](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms..)<br><br>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. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages..)<br><br>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. [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: 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. [5](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [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..) |

## About CFC and Risklytics and D&O Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for CFC vs Risklytics D&O Insurance

- [CFC vs Risklytics](https://spot.insure/compare/cfc-vs-risklytics): 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.
- [CFC D&O Insurance](https://spot.insure/insurance-providers/cfc/directors-officers)
- [Risklytics D&O Insurance](https://spot.insure/insurance-providers/risklytics/directors-officers)

## Sources for CFC vs Risklytics D&O Insurance

### Sources About CFC

1. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
2. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Directors and officers cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
3. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
4. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### Sources About Risklytics

5. [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.
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. [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.

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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-risklytics/directors-officers.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)