---
title: "Counterpart vs Kinro: D&O Insurance"
description: "Kinro gathers ownership, funding, board, revenue, and prior-claim details for D&O quotes; Counterpart publishes separate private-company and nonprofit D&O pages."
canonical: "https://spot.insure/compare/counterpart-vs-kinro/directors-officers"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "counterpart-vs-kinro"
provider-a: "counterpart"
provider-b: "kinro"
coverage-line: "directors-officers"
---

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

## Agent Guide

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

**Questions this page answers:**
- Counterpart vs Kinro for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Counterpart or Kinro?
- What does Counterpart or Kinro publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from Counterpart or Kinro?

**Key facts:**
- Line: D&O Insurance. Providers: Counterpart and Kinro.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Counterpart vs Kinro](https://spot.insure/compare/counterpart-vs-kinro) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [Kinro profile](https://spot.insure/insurance-providers/kinro) — provider profile (evidence)
- [Counterpart vs Kinro General Liability Insurance](https://spot.insure/compare/counterpart-vs-kinro/general-liability) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-kinro/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Kinro D&O Insurance](https://spot.insure/compare/aig-vs-kinro/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Kinro D&O Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Kinro D&O Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/directors-officers) — sibling comparison (other line, or other pair for this line)

# Counterpart vs Kinro: How Do They Compare for D&O Insurance?

Kinro gathers ownership, funding, board, revenue, and prior-claim details for D&O quotes; Counterpart publishes separate private-company and nonprofit D&O pages.

## How to Use the Counterpart vs Kinro D&O Insurance Comparison

Use this comparison to evaluate Counterpart and Kinro for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Counterpart vs Kinro D&O Insurance Summary

Kinro's D&O quote file includes ownership, funding, board, revenue, headcount, and prior claims; Counterpart markets separate private-company and nonprofit products. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") [9](https://kinro.com/products/directors-and-officers "Directors & Officers")

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Kinro Insurance?

Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. [6](https://kinro.com/ "Kinro Business Insurance") [7](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [8](https://kinro.com/partners/carriers "For Carriers And MGAs")

[Kinro profile](https://spot.insure/insurance-providers/kinro)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [11](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [12](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## What Are the Key Differences Between Counterpart and Kinro D&O Insurance?

### Building the D&O Submission

Kinro says its D&O quote process collects ownership, funding stage, board structure, revenue, headcount, prior claims, and investor or lender requirements, and often reviews D&O alongside EPLI, cyber, and E&O. Counterpart publishes separate private-company and nonprofit D&O pages and says businesses reach the program through wholesale brokers. A founder can prepare the governance and financing details Kinro lists and ask Counterpart's broker what materials its selected segment needs. [9](https://kinro.com/products/directors-and-officers "Directors & Officers") [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") [5](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")

### Company Fit and Related Coverage

Kinro describes D&O as commonly relevant to startups, funded companies, boards, and executive teams facing investor, debt-covenant, or contract requirements. Counterpart's two D&O pages distinguish private companies from not-for-profits, with eligibility based on the proposed risk and insurer review. Kinro says it often reviews the line alongside other management-related products, while Counterpart's product pages let buyers begin by identifying the appropriate organization segment. [9](https://kinro.com/products/directors-and-officers "Directors & Officers") [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

## What Should You Confirm in Counterpart and Kinro D&O Insurance Quotes?

- Which governance, capitalization, revenue, and claim details does Kinro need to assemble the D&O quote file? [9](https://kinro.com/products/directors-and-officers "Directors & Officers")
- Which Counterpart page fits your organization, and what submission details will its wholesale broker request? [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") [5](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")

## Counterpart vs Kinro D&O Insurance Compared

| Criteria | Private Company and Nonprofit Directors & Officers Liability | Kinro Directors & Officers |
| --- | --- | --- |
| Role in This Line | Counterpart describes itself as distributing insurance through its producer and surplus-lines broker and says businesses access the program through a wholesale broker. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited pages do not map a particular insurer to a D&O quote or state..) | Kinro is a broker: it matches a business to a D&O carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. [9](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: Directors & Officers page "Routing" and "Market fit" sections..) |
| Who It’s For | Counterpart publishes a private-company D&O product page and a separate D&O page for not-for-profit organizations. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: Separate product pages show different marketed segments; eligibility depends on the proposed risk and insurer review..) | Kinro says D&O commonly fits startups, funded companies, boards and executive teams, and typically comes up when a business has outside investors, a formal board or debt covenants, or a financing or customer contract requires management liability coverage. [9](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: Directors & Officers page "Common fit" and "Triggers" sections..) |
| Coverage Features | The private-company D&O page describes protection for management-liability claims and includes illustrative coverage and limit examples. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: Illustrations and summaries are not policy terms or an available limit commitment..)<br><br>Counterpart separately markets D&O for not-for-profit organizations. [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: The retained page summary does not establish a particular nonprofit’s eligibility or the terms of its policy..) | Kinro says D&O placements typically address claims involving management decisions, governance, investors or executives, and that a management-liability program may also fold in EPLI (employment practices) or fiduciary coverage. [9](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: Directors & Officers page "Coverage" section; actual terms depend on the carrier and policy placed..) |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish D&O limits, retentions or premiums; carriers use inputs such as funding stage, cap table and debt to quote, and amounts are not published. [9](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Not found in reviewed sources; scope: Directors & Officers page "Quote file" section as read on 2026-09-23..) |
| How to Apply | Confirm in your quote. | To quote D&O, Kinro collects ownership, funding stage, board structure, revenue and headcount, prior claims and investor or lender requirements, and often reviews D&O together with EPLI, cyber and E&O coverage. [9](https://kinro.com/products/directors-and-officers "Directors & Officers") (Evidence: Company-reported; scope: Directors & Officers page "Quote file" and "Reviewed with" sections..) |

## Related Pages for Counterpart vs Kinro D&O Insurance

- [Counterpart vs Kinro](https://spot.insure/compare/counterpart-vs-kinro): 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.
- [Counterpart vs Kinro General Liability Insurance](https://spot.insure/compare/counterpart-vs-kinro/general-liability)
- [Counterpart vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-kinro/professional-errors-omissions)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers)
- [AIG vs Kinro D&O Insurance](https://spot.insure/compare/aig-vs-kinro/directors-officers)
- [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers)
- [Alliance Risk vs Kinro D&O Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/directors-officers)
- [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers)
- [Amelia Risk vs Kinro D&O Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/directors-officers)

## Sources for Counterpart vs Kinro D&O Insurance

### Sources About Counterpart

1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
3. [Private Directors & Officers Liability Insurance](https://yourcounterpart.com/products/do). Counterpart, Inc.; Retained provider source: product page sections on covered organizations, coverage, example limits/retentions and capacity; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
4. [Not-for-Profit Directors & Officers Insurance](https://yourcounterpart.com/products/not-for-profit-do). Counterpart, Inc.; Retained provider source: product page sections on nonprofit eligibility, coverage and underwriting partners; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
5. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Sources About Kinro

6. [Kinro Business Insurance](https://kinro.com/). Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
7. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
8. [For Carriers And MGAs](https://kinro.com/partners/carriers). Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15.
9. [Directors & Officers](https://kinro.com/products/directors-and-officers). Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23.

### Sources for the D&O Insurance Guide

10. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
11. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
12. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Counterpart Review Scores for 2026

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Kinro Review Scores for 2026

Review Score: not enough ratings.

We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/kinro/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/counterpart-vs-kinro/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [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)