What Is Embroker?
Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. 1,2,3
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 5,6,7
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. 9,10,11
Key Differences in D&O Insurance
Embroker Publishes Funding-Stage Limit Examples
Embroker’s startup package examples show roughly $1 million–$2 million in D&O/EPLI/fiduciary limits with $10,000–$25,000 retention for companies raising up to $10 million, and $8 million–$10 million with $25,000–$75,000 retention for $100 million–$250 million raises. Nationwide’s overview publishes no D&O range. These are examples, not a quote; ask how limits and retention change with funding stage and whether they are shared across lines. 4 8
Embroker Breaks Out Side A, B and C
Embroker says Side A protects individuals when the company cannot indemnify them, Side B reimburses the company for indemnifying leadership, and Side C covers the entity in financial-mismanagement suits. Nationwide describes coverage for alleged decisions or wrongful acts by directors and officers but does not detail those agreements. Ask both providers to state which insureds and claims each part covers and whether entity coverage is limited. 4 8
Embroker Offers a Digital Quote Route
Embroker offers an online D&O quote through its platform and says underwriting considers revenue, industry risk and claims history. Nationwide directs buyers to an agent or quote request without publishing a comparable digital process. Prepare those business and claims details for Embroker and ask Nationwide what its agent needs to submit the risk. 4 8
What to Confirm in D&O Insurance Quotes
- Ask Embroker whether startup package limits are shared among D&O, EPLI and fiduciary and which exclusions apply; ask Nationwide for its coverage parts and package options. 4 8
- Compare insurer, Side A/B/C limits, retentions, entity protection, claims history requirements and online versus agent application steps. 4 8
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Embroker
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
Embroker vs Nationwide: D&O Insurance: documented features by provider
| Criteria | Embroker Directors and Officers Insurance | Nationwide directors officers (official overview) |
|---|---|---|
| Role in This Line | Embroker sells D&O as a standalone policy and offers to package it with cyber and workers' compensation; it also says EPLI, D&O and related coverages are sometimes bundled into a management liability program. 4Company-reported. Product-page description; not a statement about the issuing insurer. | Nationwide describes offering directors officers for the audience stated on the cited product page. 8Company-reported. directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Who It’s For | Embroker markets D&O to any private or public company with a board of directors, startups that have received or are about to receive venture capital funding, and nonprofit corporations, saying VC and private equity investors commonly require it before funding. 4Company-reported. Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company. | Businesses and directors/officers described by Nationwide; page does not establish universal limits or terms. 8Company-reported. directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | Embroker lists coverage for misuse of company funds, misrepresentation of company assets, breach of fiduciary duty, failure to comply with workplace laws and lack of corporate governance. 4Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes lawsuits between members of the same company, criminal or deliberately fraudulent activity, prior-knowledge claims, and claims against directors actively engaged in antitrust violations. 4Company-reported. Product-page What's not included section. Embroker structures its D&O policy with three insuring agreements: Side A covers individual directors and officers when the company cannot indemnify them, Side B reimburses the company for indemnifying its leaders, and Side C covers the company itself when it is sued for financial mismanagement. 4Company-reported. Product-page 'What are Side A, B, and C insuring agreements?' section; specific policy structure, not a claim about every insurer's D&O form. | The cited product page describes D&O insurance for claims tied to alleged decisions or wrongful acts by company directors and officers, subject to policy terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | For its startup package, Embroker publishes illustrative D&O/EPLI/fiduciary limit and retention ranges by funding stage, from roughly $1-2 million in limits with a $10-25k retention for companies raising up to $10 million, up to $8-10 million in limits with a $25-75k retention for companies raising $100-250 million. 4Company-reported. Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | Embroker offers an online quote for D&O coverage through its digital platform, describing underwriting factors including revenue, industry risk and claims history. 4Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 8Company-reported. directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More Embroker vs Nationwide Comparisons
Other D&O Insurance Comparisons
Sources
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Directors & Officers Insurance Coverage: D&O Explained. Embroker; Why it's essential; Who needs this coverage; What is Directors and Officers (D&O) insurance?; What's covered; What's not included; What are Side A, B, and C insuring agreements?; What does Directors and Officers insurance cost? Accessed 2026-09-23.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Directors and Officers Liability. Nationwide; D&O page; management-liability product and covered exposures. Accessed 2026-09-30.
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.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. 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.
- Private Company Directors and Officers Liability Coverage. 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.
