--- title: "Counterpart vs Relm Insurance: D&O Insurance" description: "Relm Insurance names Web3, biotechnology, and AI companies among its D&O audiences; Counterpart publishes separate private-company and nonprofit D&O pages." canonical: "https://spot.insure/compare/counterpart-vs-relm/directors-officers" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "counterpart-vs-relm" provider-a: "counterpart" provider-b: "relm" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/counterpart-vs-relm/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Counterpart and Relm Insurance 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 Relm Insurance. 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 Relm Insurance for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Counterpart or Relm Insurance? - What does Counterpart or Relm Insurance publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from Counterpart or Relm Insurance? **Key facts:** - Line: D&O Insurance. Providers: Counterpart and Relm Insurance. - 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 Relm Insurance](https://spot.insure/compare/counterpart-vs-relm) — 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) - [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile (evidence) - [Counterpart vs Relm Insurance Crime Insurance](https://spot.insure/compare/counterpart-vs-relm/crime) — sibling comparison (other line, or other pair for this line) - [Counterpart vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-relm/employment-practices) — sibling comparison (other line, or other pair for this line) - [Counterpart vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-relm/fiduciary) — sibling comparison (other line, or other pair for this line) - [Counterpart vs Relm Insurance General Liability Insurance](https://spot.insure/compare/counterpart-vs-relm/general-liability) — sibling comparison (other line, or other pair for this line) - [Counterpart vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-relm/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 Relm Insurance D&O Insurance](https://spot.insure/compare/aig-vs-relm/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 Relm Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-relm/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 Relm Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-relm/directors-officers) — sibling comparison (other line, or other pair for this line) # Counterpart vs Relm Insurance: How Do They Compare for D&O Insurance? Relm Insurance names Web3, biotechnology, and AI companies among its D&O audiences; Counterpart publishes separate private-company and nonprofit D&O pages. ## How to Use the Counterpart vs Relm Insurance D&O Insurance Comparison Use this comparison to evaluate Counterpart and Relm Insurance 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 Relm Insurance D&O Insurance Summary Relm Insurance cites Web3, biotechnology, and AI businesses as D&O audience examples; Counterpart markets separate private-company and nonprofit D&O 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") [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") ## 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 Relm Insurance? Relm suits AI developers distinguishing liability and cyber/Tech E&O through Nova AI from first-party losses caused by third-party AI failures through Resca AI; businesses seeking standard small-business coverage should compare generalist providers. [6](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [7](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") [Relm Insurance profile](https://spot.insure/insurance-providers/relm) ## 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. [9](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [10](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [11](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 Relm Insurance D&O Insurance? ### Sector Examples and Product Segments Relm Insurance's Financial Lines page names Web3 founders, biotechnology leaders, and AI pioneers as examples of D&O audiences, while noting that its examples do not guarantee eligibility for a particular company. Counterpart publishes distinct D&O pages for private companies and not-for-profit organizations, with eligibility depending on insurer review of the proposed risk. A board in one of Relm Insurance's named sectors can ask how its operations fit the underwriting discussion; a nonprofit should identify the Counterpart segment proposed for its legal form. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [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") ### Management-Claim Descriptions Relm Insurance describes D&O as protecting leaders' personal assets through coverage for legal fees, settlements, and financial losses tied to management decisions, including claims from shareholders, regulators, competitors, or employees. Counterpart's private-company page describes management-liability claims and illustrative coverage and limit examples. These are company summaries rather than policy forms; compare the definition of claim, covered individuals, entity protection, and defense-cost treatment in the proposed wording. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") ## What Should You Confirm in Counterpart and Relm Insurance D&O Insurance Quotes? - Which Relm Insurance market and policy wording are proposed for the company's sector, and how are shareholder or regulatory claims defined? [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") - Which Counterpart segment fits the organization, and what insured-person, entity, and limit terms will its insurer offer? [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") ## Counterpart vs Relm Insurance D&O Insurance Compared | Criteria | Private Company and Nonprofit Directors & Officers Liability | Relm Directors and Officers Liability Insurance | | --- | --- | --- | | 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..) | Relm markets D&O liability as a line brokers can place through Relm for their clients, describing custom coverage rather than a one-size-fits-all policy. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) | | Issuing Insurer | Confirm in your quote. | The reviewed Financial Lines page does not name a specific issuing insurer for D&O placements; Relm's separate legal-information and fronting-partner pages describe Relm Insurance Ltd. and an external fronting insurer generally, not tied to this specific line. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) | | 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..) | Relm targets companies in disruptive or fast-changing sectors, naming Web3 founders, biotechnology leaders and AI pioneers as examples, and says any company with a board benefits, with startups especially needing it to attract executives. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; not a guarantee of eligibility for a particular company..) | | 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..)

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..) | Relm says D&O coverage generally protects directors and officers' personal assets by covering legal fees, settlements and financial losses when they are held liable for decisions made managing the company, including claims from shareholders, regulators, competitors or employees. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control..) | | Risk Services | Confirm in your quote. | The reviewed D&O page does not describe dedicated risk-control, governance-advisory or claims-advocacy services beyond the general coverage description. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not found in reviewed sources; scope: Financial Lines page as read on 2026-09-23..) | | How to Apply | Confirm in your quote. | Relm sells D&O through insurance brokers (its page says brokers can use Relm to protect clients' leadership teams); it does not describe a direct online quote. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages..) | ## Related Pages for Counterpart vs Relm Insurance D&O Insurance - [Counterpart vs Relm Insurance](https://spot.insure/compare/counterpart-vs-relm): 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 Relm Insurance Crime Insurance](https://spot.insure/compare/counterpart-vs-relm/crime) - [Counterpart vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-relm/employment-practices) - [Counterpart vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-relm/fiduciary) - [Counterpart vs Relm Insurance General Liability Insurance](https://spot.insure/compare/counterpart-vs-relm/general-liability) - [Counterpart vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-relm/professional-errors-omissions) - [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers) - [AIG vs Relm Insurance D&O Insurance](https://spot.insure/compare/aig-vs-relm/directors-officers) - [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers) - [Alliance Risk vs Relm Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-relm/directors-officers) - [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers) - [Amelia Risk vs Relm Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-relm/directors-officers) ## Sources for Counterpart vs Relm Insurance 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 Relm Insurance 6. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16. 7. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16. 8. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Directors and Officers (D&O) Liability Insurance: What Is D&O Liability Insurance?; Risk Is Part of the Role. Personal Exposure Doesn't Have to Be.; What Does D&O Insurance Cover?. Accessed 2026-09-23. ### Sources for the D&O Insurance Guide 9. [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. 10. [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. 11. [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). ## Relm Insurance Review Scores for 2026 Review Score: not enough ratings. We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/relm/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/counterpart-vs-relm/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)