Embroker vs TechInsurance: How Do They Compare for D&O Insurance?

Embroker sells a standalone D&O policy online, while TechInsurance arranges coverage and explains it as helping pay legal costs tied to management decisions.

TechInsurance says its D&O customers pay a median $133 a month, and you can buy it standalone or as an add-on to a general liability policy or BOP. Embroker sells standalone D&O and publishes startup limits by raise, from $1M to $2M if you've raised up to $10M. ^2,¹

What Are the Key Differences Between Embroker and TechInsurance D&O Insurance?

Price Benchmark and Add-On vs Limits Sized to Your Raise

TechInsurance ties price to your limit, deductible, industry, headcount, revenue, claims history and IPO potential; it gives you a number to budget against. Embroker gives you a coverage amount to check against a term sheet, with retentions from $10,000 to $25,000 early on and up to $75,000 at larger raises, and it can package D&O with cyber and workers' comp. Choose TechInsurance if you already carry a general liability policy or BOP and want D&O added at a known typical cost; choose Embroker if you're venture-backed and need a limit that matches what your investors expect. ² ¹

What the Policy Won't Cover

Both exclude criminal or fraudulent acts. Embroker also excludes suits between members of the same company, prior-knowledge claims and directors engaged in antitrust violations, so a co-founder dispute may not be covered. TechInsurance says its policy is claims-made, meaning it must be in force when the claim arrives. ¹ ²

What Should You Confirm in Embroker and TechInsurance D&O Insurance Quotes?

Ask both which insurer would issue the policy; neither page names one. ² ¹
If you take TechInsurance's add-on, ask whether D&O gets its own limit or shares your BOP's. ²
Ask Embroker for the exact limit and retention at your raise, and whether EPLI and fiduciary share it. ¹

Embroker vs TechInsurance D&O Insurance Compared

Embroker vs TechInsurance: D&O Insurance: documented features by provider

Criteria	Embroker Directors and Officers Insurance	TechInsurance Directors and Officers Insurance (D&O)
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. ¹Company-reported. Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting.	TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. ²Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
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. ¹Company-reported. Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company.	TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. ²Company-reported. D&O product page, Who needs D&O insurance coverage? section.
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. ¹Company-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. ¹Company-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. ¹Company-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.	TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ²Company-reported. D&O product page; general policy description, not a specific policy form. TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ²Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.
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. ¹Company-reported. Product-page description; not a statement about the issuing insurer.	TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ²Company-reported. D&O product page.