Embroker vs Newfront D&O Insurance

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.

Newfront's Executive Risk practice brokers D&O coverage, negotiating placement for management-liability lines. Deirdre Finn, the Executive Risk Solutions Practice Leader, oversees this D&O, employment-practices and fiduciary book of business. ⁹Company-reported. Executive Risk offering page and Leadership section.

Not described in the reviewed sources.

The reviewed Executive Risk page does not name the insurer or insurers that would issue a D&O policy placed through Newfront. ⁹Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement.

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.

Newfront says it services private companies "from seed round through every series of capital funding," including over 120 unicorn companies, and has worked with over 500 publicly traded companies on D&O-relevant matters such as M&A and IPOs. ⁹Company-reported. Here for the Long Run section; company-reported client counts, not independently verified.

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.

Newfront lists "Directors and Officers (D&O)—Private and public companies" and "Side A DIC D&O" among its Executive Risk Key Coverages, and says its D&O work includes protection against securities-related litigation and regulatory investigations. ⁹Company-reported. Key Coverages list and Committed to Client Advocacy section; Side A DIC is a difference-in-conditions option, and actual trigger and exclusions require the proposed wording.

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 reviewed Executive Risk page does not publish D&O limits or retentions. ⁹Not publicly disclosed. Executive Risk page as read on 2026-09-23.

Not described in the reviewed sources.

Newfront says clients get 24/7 access to their D&O program through its connected dashboard, and that renewals use automated, pre-populated historical data for faster submissions and approvals. ⁹Company-reported. Industry-Leading Technology section of the Executive Risk page.

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.

Newfront describes a process for private companies transitioning to public status through an IPO, deSPAC or direct listing, and you start a D&O placement by requesting a consultation through the Executive Risk page. ⁹Company-reported. Committed to Client Advocacy section and page call-to-action; no online quoting or binding described.

Not described in the reviewed sources.

Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a D&O claim. ⁹Company-reported. The Newfront Difference section; described across Executive Risk lines, not a D&O-specific claims workflow.