---
title: "Embroker vs Risklytics D&O Insurance"
description: "Embroker and Risklytics both publish D&O limit figures, but Embroker's funding-stage tiers run far higher than Risklytics' venture-backed range."
canonical: "https://spot.insure/compare/embroker-vs-risklytics/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Embroker vs Risklytics D&O Insurance

Embroker and Risklytics both publish D&O limit figures, but Embroker's funding-stage tiers run far higher than Risklytics' venture-backed range.

## Research Scope and Use

Use this comparison to evaluate Embroker and Risklytics 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

Embroker's published D&O tiers run up to $8-10 million at later funding stages, while Risklytics names a narrower typical ask of $1-3 million in D&O limits for venture-backed companies. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")

## What Is Embroker?

Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.risklytics.ai/ "Insurance for Frontier Tech") [7](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Two Published Limit Figures, Two Different Scales

Both companies put a number on the table, which is unusual for this line, but the numbers point in different directions. Embroker's table runs by funding stage up toward $8-10 million with a $25-75k retention for later-stage companies. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") Risklytics instead names a single, narrower figure:

Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..)

### Who Stands Behind the Quote

Embroker prices and structures the policy on its own platform, citing revenue, industry risk and claims history as factors. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") Risklytics instead frames itself as a licensed producer that places the policy with outside carriers rather than underwriting it directly. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are")

### Speed for a Specific Buyer

Risklytics describes quick placement for one type of applicant: venture-backed companies with a clean story. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") Embroker's page instead lists the underwriting inputs behind its own online quote without describing a comparably fast track for any particular buyer profile. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained")

## What to Confirm in D&O Insurance Quotes

- Ask Risklytics whether the $1-3 million typical ask fits your funding stage or whether higher limits are available through its carrier relationships. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")
- Ask Embroker for the exact limit and retention tied to your funding stage rather than the published table's midpoint. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained")
- Ask both which insurer would issue the policy; neither page names a carrier for this line. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")
- Ask Risklytics whether its no-broker-fee pricing changes the total cost compared with Embroker's own quote. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## Offering Details

| Criteria | Embroker Directors and Officers Insurance | Risklytics Directors & Officers Insurance |
| --- | --- | --- |
| 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. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Directors & Officers Insurance with outside carriers; it says it does not underwrite policies itself. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| Issuing Insurer | Not described in the reviewed sources. | Risklytics does not name the carrier that underwrites Risklytics Directors & Officers Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company..) | Risklytics says the norm is buying D&O at or before a startup's first priced round, since term sheets and incoming board members typically require it as a closing condition. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>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. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page What's not included section..)<br><br>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. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: 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..) | Risklytics describes D&O as protecting a founder's personal assets when an investor or regulator sues over how the company was run, citing an investor suit after a down round and a regulator inquiry into AI capability claims as examples, and distinguishes it from Tech E&O, which answers a customer's product-failure claim instead. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting..) | Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Risk Services | Not described in the reviewed sources. | Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research..) | You start Risklytics Directors & Officers Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [Embroker vs Risklytics](https://spot.insure/compare/embroker-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Embroker vs Risklytics Commercial Property Insurance](https://spot.insure/compare/embroker-vs-risklytics/commercial-property)
- [Embroker vs Risklytics Cyber Insurance](https://spot.insure/compare/embroker-vs-risklytics/cyber)
- [Embroker vs Risklytics General Liability Insurance](https://spot.insure/compare/embroker-vs-risklytics/general-liability)
- [Embroker vs Risklytics Tech E&O Insurance](https://spot.insure/compare/embroker-vs-risklytics/technology-errors-omissions)
- [Embroker vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-risklytics/workers-compensation)
- [Alliance Risk vs Embroker D&O Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/directors-officers)
- [Alliance Risk vs Risklytics D&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/directors-officers)
- [Amelia Risk vs Embroker D&O Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/directors-officers)
- [Amelia Risk vs Risklytics D&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/directors-officers)
- [Beazley vs Embroker D&O Insurance](https://spot.insure/compare/beazley-vs-embroker/directors-officers)
- [Beazley vs Risklytics D&O Insurance](https://spot.insure/compare/beazley-vs-risklytics/directors-officers)

## Sources

### Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). 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.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Directors & Officers Insurance Coverage: D&O Explained](https://www.embroker.com/coverage/directors-officers-insurance/). 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.

### Risklytics

5. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
6. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
7. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
8. [Directors & Officers Insurance](https://www.risklytics.ai/lines/management/). Risklytics; Coverage line: Directors & Officers; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
9. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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.

Updated 2026-09-23. 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.

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