Gallagher vs Risklytics: How Do They Compare for D&O Insurance?

Gallagher is a broker whose specialist practice designs D&O programs; Risklytics Insurance Services places D&O with outside carriers for venture-backed startups, with a typical limit ask of $1 million to $3 million.

Risklytics places AI, robotics and autonomy startups' first D&O, typically $1 million to $3 million at or before the first priced round; Gallagher builds D&O programs for SPACs and companies going public, with in-house claims attorneys. ^2,¹

What Are the Key Differences Between Gallagher and Risklytics D&O Insurance?

First Round vs Going Public

Risklytics places D&O with specialist insurers that write robotics, autonomy and AI risk, starts you on an online application, keeps a licensed producer on the file until binding, and charges no broker fee on top of premium. Gallagher places D&O for SPACs through IPO and de-SPAC and for companies listing directly, bundling it with representations and warranties, E&O, cyber and tax coverage. Choose Risklytics if you're an AI or robotics startup closing a priced round; choose Gallagher if you're preparing to go public. ² ⁴ ¹

Sizing Your Limit

Risklytics says venture-backed companies typically ask for $1 million to $3 million. Gallagher publishes no limits; it benchmarks how much Side A-only coverage to buy when it builds a layered program. ² ¹

What Should You Confirm in Gallagher and Risklytics D&O Insurance Quotes?

Ask Risklytics which insurer would write your policy; it names none. ²
Ask Risklytics how D&O and Tech E&O would respond if one event triggers both an investor suit and a customer claim. ²
Ask Gallagher which carriers it will approach and how your D&O changes before and after listing. ¹

Gallagher vs Risklytics D&O Insurance Compared

Gallagher vs Risklytics: D&O Insurance: documented features by provider

Criteria	Gallagher Directors and Officers (D&O) Liability Insurance	Risklytics Directors & Officers Insurance
Who It’s For	Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. ¹Company-reported. Group-level executive-and-financial-risk practice page, SPAC and IPO subsections.	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. ²Company-reported. Lines page.
Coverage Features	Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement.	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. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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. ³Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
Issuing Insurer	The executive-and-financial-risk page does not name the insurer that would issue a given client's D&O policy; it says Gallagher weighs carrier qualifications and performance data alongside a client's own insurer history and preferences when deciding which carriers to approach. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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. ^2,³Company-reported. Lines page and about page; no specific insurer is published for this line.
Risk Services	For SPACs and IPOs, Gallagher describes bundling D&O coverage before and after the IPO with related lines such as representations and warranties, E&O, cyber, tax and contingent liability coverage, plus risk-management and claims support at each stage. ¹Company-reported. Group-level executive-and-financial-risk practice page, SPAC subsection.	Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. ²Company-reported. Lines page.