HUB International vs Risklytics D&O Insurance

HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. ^4,5Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an 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. ⁶Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

The D&O product page and the ProEx coverage list do not name an issuing insurer for D&O policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. ^4,5Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote.

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. ^9,6Company-reported. Lines page and about page; no specific insurer is published for this line.

HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. ⁴Company-reported. D&O product page target-market description; not an underwriting appetite statement.

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. ⁹Company-reported. Lines page.

HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. ⁴Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim.

HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. ⁴Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.

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. ⁹Company-reported. Lines page; the issued policy and declarations control actual coverage.

Published D&O policy limits or retentions were not found on the reviewed pages. ^4,5Not publicly disclosed. Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations.

Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. ⁹Company-reported. Lines page; actual limits are set on the bound policy.

HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. ⁵Company-reported. ProEx page team and services description; not specific to a single D&O engagement.

Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. ⁹Company-reported. Lines page.

HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. ⁴Company-reported. D&O product page call to action.

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. ^10,6Company-reported. Pricing page describes the general application and fee process, not a line-specific form.

HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ⁵Company-reported. ProEx page claims and legal support section.

Not described in the reviewed sources.