Coverdash vs Gallagher D&O Insurance

Coverdash arranges standalone directors and officers coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,4Company-reported. General brokerage terms applied to the D&O page; not specific to any one carrier or state.

Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. ⁸Company-reported. Group-level executive-and-financial-risk practice page.

The directors and officers page does not name the insurer that issues the policy. ⁴Not publicly disclosed. Reviewed directors and officers page as of 2026-09-23; the page describes coverage without naming a specific carrier.

The executive-and-financial-risk page does not name the insurer that would issue a given client's D&O policy; it says Gallagher weighs carrier qualifications and performance data alongside a client's own insurer history and preferences when deciding which carriers to approach. ⁸Company-reported. Group-level executive-and-financial-risk practice page.

Coverdash says any company with a board, investors or executives making decisions on its behalf needs D&O, and that it is frequently required as a condition of funding. ⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and the specific funding or governance situation.

Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. ⁸Company-reported. Group-level executive-and-financial-risk practice page, SPAC and IPO subsections.

Coverdash describes directors and officers coverage as protecting the company's directors, officers and the company itself against claims that a leadership decision caused financial harm, suits from investors or shareholders, and regulatory investigations, and pays defense costs and settlements for covered claims. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash sells this standalone Directors & Officers product separately from its bundled management liability product, which adds optional employment-practices, fiduciary and crime coverage on top of the D&O core. ⁴Company-reported. Comparison of the directors-and-officers and management-liability product pages; does not establish which structure is cheaper or better suited to a given company.

Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. ⁸Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement.

The directors and officers page does not publish specific limit, retention or deductible amounts. ⁴Not publicly disclosed. Reviewed directors and officers page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

The executive-and-financial-risk page does not publish D&O limits, retentions or premium ranges. ⁸Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

Not described in the reviewed sources.

For SPACs and IPOs, Gallagher describes bundling D&O coverage before and after the IPO with related lines such as representations and warranties, E&O, cyber, tax and contingent liability coverage, plus risk-management and claims support at each stage. ⁸Company-reported. Group-level executive-and-financial-risk practice page, SPAC subsection.

Coverdash describes a fully digital quote-to-purchase process for directors and officers coverage, with the option to add other coverages alongside it. ⁴Company-reported. Product-page company information and cross-sell section.

Not described in the reviewed sources.

Not described in the reviewed sources.

Gallagher says its Executive and Financial Risk practice has a dedicated claims-advocacy team with in-house attorneys specializing in these lines, and that it uses quantitative benchmarking, including measuring the judicious use of Side-A-only D&O coverage, to guide more precise coverage structures. ⁸Company-reported. Group-level executive-and-financial-risk practice summary; describes a support service, not a guarantee of claim payment.