---
title: "Counterpart vs StartupInsurance.ai: D&O Insurance"
description: "Counterpart publishes private-company and nonprofit D&O coverage, while StartupInsurance.ai offers a policy check for AI exclusions in D&O renewals."
canonical: "https://spot.insure/compare/counterpart-vs-startupinsurance/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "counterpart-vs-startupinsurance"
provider-a: "counterpart"
provider-b: "startupinsurance"
coverage-line: "directors-officers"
---

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

## Agent Guide

**What this page is:** Focused comparison of Counterpart and StartupInsurance.ai 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 StartupInsurance.ai. 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 StartupInsurance.ai for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Counterpart or StartupInsurance.ai?
- What does Counterpart or StartupInsurance.ai publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from Counterpart or StartupInsurance.ai?

**Key facts:**
- Line: D&O Insurance. Providers: Counterpart and StartupInsurance.ai.
- 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Counterpart vs StartupInsurance.ai](https://spot.insure/compare/counterpart-vs-startupinsurance) — 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)
- [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile (evidence)
- [Counterpart vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-startupinsurance/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/counterpart-vs-startupinsurance/general-liability) — 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 StartupInsurance.ai D&O Insurance](https://spot.insure/compare/aig-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Counterpart D&O Insurance](https://spot.insure/compare/aon-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/aon-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)

# Counterpart vs StartupInsurance.ai: How Do They Compare for D&O Insurance?

Counterpart publishes private-company and nonprofit D&O coverage, while StartupInsurance.ai offers a policy check for AI exclusions in D&O renewals.

## Research Scope and Use

Use this comparison to evaluate Counterpart and StartupInsurance.ai 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.

## Summary

Counterpart describes D&O for private companies and nonprofits. StartupInsurance.ai focuses on startup board needs and checks existing D&O forms for AI exclusions. [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") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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 StartupInsurance.ai?

StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. [6](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

## 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")

## Key Differences in D&O Insurance

### Startup Board Needs

Counterpart has separate D&O product pages for private companies and not-for-profit organizations. StartupInsurance.ai positions D&O around venture-backed startups whose term sheets require board coverage, so a nonprofit or non-venture company should ask whether its placement fits the program’s intended startup audience. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### Policy Review and Exclusions

StartupInsurance.ai says a free policy check reviews D&O and other forms for AI exclusions and contract gaps within 48 hours. Counterpart describes management-liability protection and illustrative limit examples, but its reviewed D&O claims do not describe a comparable policy review service. If your directors oversee AI products, ask what wording each proposal applies and whether an exclusion is included. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What to Confirm in D&O Insurance Quotes

- Ask Counterpart whether the quoted D&O form excludes AI related allegations and request the actual endorsement wording. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance")
- Ask StartupInsurance.ai what carrier and policy form the placement uses, and what its review flags beyond an AI exclusion. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## Offering Details

| Criteria | Private Company and Nonprofit Directors & Officers Liability | StartupInsurance.ai Directors & Officers (D&O) 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..) | StartupInsurance.ai lists directors and officers coverage among the lines its startup program places, and its homepage cites an investor's term-sheet request for D&O as a typical reason a founder comes to it. ContractorNerd Insurance Services, LLC arranges the placement as agent/broker of record rather than underwriting it. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Homepage coverage list and "the problem" narrative, plus ContractorNerd's terms and conditions on its producer role; does not describe a specific D&O policy's terms..) |
| Issuing Insurer | Confirm in your quote. | The homepage's carrier panel names insurers with D&O capacity, such as Chubb (shown as A++ Admitted) and Coalition (shown as A- Surplus), but does not state that either one specifically underwrites D&O placements; the issuing insurer varies by placement. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel and ratings card; the panel is program-wide, not broken out by coverage line..) |
| 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..) | StartupInsurance.ai frames D&O as coverage founders typically need once an investor's term sheet requires it, positioning the line for venture-backed startups with a board rather than pre-revenue companies with no outside investors. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage narrative example; not a stated underwriting eligibility rule (e.g., minimum funding stage or headcount)..) |
| 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..) | StartupInsurance.ai says one major carrier added a blanket AI exclusion to D&O (along with E&O and fiduciary forms), typically arriving at renewal inside an endorsement, and that it reviews policies for this exclusion as part of its free check. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed D&O policy carries this specific endorsement..) |
| Risk Services | Confirm in your quote. | StartupInsurance.ai's free policy check reviews an existing program for AI exclusions and contract gaps within 48 hours, and the homepage specifically calls out D&O as one of the forms affected by the AI-exclusion trend it checks for. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's D&O policy..) |
| How to Apply | Confirm in your quote. | Directors & Officers (D&O) is the first coverage box on StartupInsurance.ai's online quote-intake screen, described there as coverage that "protects your board and executives from lawsuits." [8](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) |

## Full Comparison

- [Counterpart vs StartupInsurance.ai](https://spot.insure/compare/counterpart-vs-startupinsurance): 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 StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-startupinsurance/fiduciary)
- [Counterpart vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/counterpart-vs-startupinsurance/general-liability)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers)
- [AIG vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/aig-vs-startupinsurance/directors-officers)
- [Alliance Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/directors-officers)
- [Amelia Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/directors-officers)
- [Aon vs Counterpart D&O Insurance](https://spot.insure/compare/aon-vs-counterpart/directors-officers)
- [Aon vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/aon-vs-startupinsurance/directors-officers)

## Sources

### 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.

### StartupInsurance.ai

6. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
7. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; The problem (“An investor's term sheet asked for D&O”); Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23.
8. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Directors & Officers (D&O) — “Protects your board and executives from lawsuits”. Accessed 2026-09-23.
9. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23.

### 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 2026-09-30. 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 Reviews

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).

## StartupInsurance.ai Reviews

Review Score: not enough ratings.

StartupInsurance.ai has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.



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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/counterpart-vs-startupinsurance/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)