Chubb vs 
Risklytics D&O Insurance
Chubb underwrites ForeFront D&O; Risklytics places startup D&O and cites a typical $1–3 million venture ask.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
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. 6,7,8
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 11
Key Differences in D&O Insurance
Who Puts the Policy on Risk
Chubb underwrites D&O and Entity Liability on ForeFront Portfolio 3.0. 4 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. 6 It does not name the carrier and says it places with specialist insurers willing to write robotics, autonomy and AI risk. 9 6 The issuer on a Risklytics file is whoever binds; on ForeFront it is Chubb.
Who Is Described as Buying
Risklytics says the norm is buying D&O at or before a startup’s first priced round, because term sheets and incoming board members typically require it. 9 Chubb aims this ForeFront version at smaller privately held companies, with separate versions for not-for-profit and healthcare. 4 5 Risklytics’s described buyer is a venture-backed startup; Chubb’s reviewed module is framed as smaller-private.
Published Dollar Figures
Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies. 9 Chubb publishes a $500,000 derivative-demand sublimit and optional additional $500,000 Side A, not an overall maximum. 4 Those published figures are not the same kind of number: a typical venture ask versus two Chubb sublimits.
What to Confirm in D&O Insurance Quotes
- Ask Risklytics which specialist insurer is quoting and whether robotics, autonomy or AI activity is accepted. 9
- Compare the quoted limit with Risklytics’s $1–3 million typical ask and with Chubb’s $500,000 sublimits. 9 4
- Confirm commission and fee treatment on the Risklytics binder. 10
- Confirm the Chubb product is ForeFront 3.0 for smaller private companies. 4
Offering Details
Chubb vs Risklytics D&O Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio 3.0 Directors & Officers and Entity Liability Insurance | Risklytics Directors & Officers Insurance |
|---|---|---|
| Role in This Line | Chubb underwrites D&O and Entity Liability directly through ForeFront Portfolio 3.0, describing this specific version as designed for directors and officers of smaller, privately held companies. 4Company-reported. ForeFront Portfolio 3.0 D&O and Entity Liability product page. | 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. |
| Issuing Insurer | Not described in the reviewed sources. | 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. 9,6Company-reported. Lines page and about page; no specific insurer is published for this line. |
| Who It’s For | Chubb aims this D&O product at smaller private companies and offers separate versions for not-for-profit and healthcare organizations in its ForeFront Portfolio. 4,5Company-reported. ForeFront Portfolio 3.0 D&O page opening description; ForeFront Portfolio page coverage list. | 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. 9Company-reported. Lines page. |
| Coverage Features | Chubb lists a broad definition of Insured covering the parent organization, subsidiaries, directors or officers (including foreign equivalents), advisory board members and volunteers worldwide; automatic not-for-profit outside-directorship coverage; a broad definition of Claim including written demands, civil and criminal proceedings, and extradition requests; and civil fines and penalties coverage where insurable, including FCPA civil penalties. 4Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the policy uses a streamlined insured-versus-insured exclusion with exceptions (including financial impairment, former executives after one year, and whistleblower and employment claims) and conduct exclusions that require final non-appealable adjudication before they apply. 4Company-reported. Coverage Highlights list, exclusion-related bullets. Chubb says the policy provides private-placement and failed-IPO coverage, a full Side A carve-back to the pollution exclusion, and a guaranteed IPO quotation including coverage for road-show presentations. 4Company-reported. Coverage Highlights list. | 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. 9Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Limits and Retentions | Chubb publishes two specific sublimits: a $500,000 sublimit for security-holder derivative-demand evaluation costs, and an optional additional $500,000 Side A dedicated limit for executives. Overall policy limits are not published and depend on the issued policy. 4Company-reported. Coverage Highlights list. | Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. 9Company-reported. Lines page; actual limits are set on the bound policy. |
| Risk Services | Not described in the reviewed sources. | Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. 9Company-reported. Lines page. |
| How to Apply | Agents and brokers can quote and issue the ForeFront Portfolio, including its D&O and Entity Liability coverage, through Chubb Marketplace. 5Company-reported. ForeFront Portfolio page quoting section. | 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. 10,6Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
Full Comparison
More Chubb vs Risklytics Comparisons
Other D&O Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance. Chubb; Coverage Highlights: Directors & Officers (D&O) and Entity Liability list, including Insured definition, sublimits, Side A coverage, Claim definitions, conduct and insured-v-insured exclusions, IPO coverage. Accessed 2026-09-23.
- The ForeFront Portfolio. Chubb; ForeFront Portfolio's seven coverages; Directors & Officers and Entity Liability listed for private companies, not-for-profit and healthcare organizations; Chubb Marketplace quoting. Accessed 2026-09-23.
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Directors & Officers Insurance. 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.
- How pricing and broker fees work. 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
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
