---
title: "Embroker vs TechInsurance D&O Insurance"
description: "Embroker sells D&O only as its own standalone quote; TechInsurance offers the same line standalone or bundled onto a general liability policy."
canonical: "https://spot.insure/compare/embroker-vs-techinsurance/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Embroker vs TechInsurance D&O Insurance

Embroker sells D&O only as its own standalone quote; TechInsurance offers the same line standalone or bundled onto a general liability policy.

## Research Scope and Use

Use this comparison to evaluate Embroker and TechInsurance 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 D&O page describes a standalone policy priced by funding stage, while TechInsurance says its D&O can be bought standalone or as an endorsement to a general liability or business owner's policy, at a reported median of $133 per month. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Standalone Only, or Standalone Plus an Endorsement

Embroker's page describes D&O as a standalone product, offering to package it with cyber and workers' compensation rather than attach it to a general policy. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") TechInsurance instead gives buyers a second path:

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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..)

A company that already carries a general liability or business owner's policy has an option with TechInsurance that Embroker's reviewed pages don't describe.

### Price Tag Versus Limit Table

TechInsurance publishes a specific cost figure for this line, a median of $133 a month, while Embroker instead publishes limit and retention ranges by funding stage rather than a premium estimate. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") One gives a founder a price to budget against; the other gives a coverage amount to compare against a term sheet's requirement.

### What the Policy Excludes

TechInsurance states its trigger and a specific carve-out directly, saying the policy is claims-made and excludes criminal acts like fraud or embezzlement. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") Embroker's exclusions list overlaps on criminal conduct but adds categories TechInsurance's page doesn't mention, including antitrust violations and disputes between members of the same company. [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 TechInsurance whether the reported median premium reflects your company's size, industry and claims history, since it says cost varies by those factors. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")
- 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 one for this line. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained")
- If you already carry a general liability or business owner's policy, ask TechInsurance whether an endorsement changes the claims-made trigger compared with Embroker's standalone structure. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## Offering Details

| Criteria | Embroker Directors and Officers Insurance | TechInsurance Directors and Officers Insurance (D&O) |
| --- | --- | --- |
| 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..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page does not name the issuing insurer for a D&O policy. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Not publicly disclosed; scope: D&O product page as read on 2026-09-23..) |
| 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..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [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..) | 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). [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)<br><br>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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, How does directors and officers insurance work? and exclusions sections..) |
| 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..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| 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..) | Not described in the reviewed sources. |

## Full Comparison

- [Embroker vs TechInsurance](https://spot.insure/compare/embroker-vs-techinsurance): 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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/embroker-vs-techinsurance/business-owners-policy)
- [Embroker vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-techinsurance/commercial-auto)
- [Embroker vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/embroker-vs-techinsurance/commercial-property)
- [Embroker vs TechInsurance Cyber Insurance](https://spot.insure/compare/embroker-vs-techinsurance/cyber)
- [Embroker vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-techinsurance/employment-practices)
- [Embroker vs TechInsurance General Liability Insurance](https://spot.insure/compare/embroker-vs-techinsurance/general-liability)
- [Embroker vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-techinsurance/professional-errors-omissions)
- [Embroker vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/embroker-vs-techinsurance/technology-errors-omissions)
- [Embroker vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Embroker D&O Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/directors-officers)
- [Alliance Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers)
- [Amelia Risk vs Embroker D&O Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/directors-officers)
- [Amelia Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/directors-officers)
- [Beazley vs Embroker D&O Insurance](https://spot.insure/compare/beazley-vs-embroker/directors-officers)
- [Beazley vs TechInsurance D&O Insurance](https://spot.insure/compare/beazley-vs-techinsurance/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.

### TechInsurance

5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). Accessed 2026-09-23.

### D&O Insurance Guide

8. [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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