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

HUB International brokers D&O across several organization types and offers specialist claims support, while Risklytics Insurance Services focuses on venture-backed startups and cites a typical limit ask of a typical million to $3 million.

Risklytics lets startups apply for D&O online with no broker fee and says most ask for $1M to $3M at or before their first priced round. HUB brokers D&O for private, nonprofit and public companies through a broker you meet with, backed by an in-house team of claims attorneys. ^5,^4,^3,^1,²

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

Online Startup Placement vs Full-Service Broker With Claims Attorneys

Risklytics says D&O is easy to get for venture-backed companies with a clean story, keeps a licensed producer on your file until it binds, and looks for insurers willing to write robotics, autonomy and AI risk. HUB's ProEx practice lists Side A-only excess D&O, offers analytics and litigation support, and its attorneys review policy wording before a claim and work it through recovery. Choose Risklytics if you're a startup that needs D&O to close a round and wants a transparent, online start; choose HUB if you're a nonprofit or public company, or want attorneys on your side when a claim lands. ³ ⁵ ²

What Each Tells You About Cost and Claims

Risklytics says it adds no broker fee on top of premium, with its commission paid by the carrier. HUB's pages don't describe its compensation or publish limits. On claims, HUB says suits can come from regulators, donors, clients, suppliers, competitors, employees, shareholders and creditors, while Risklytics' examples are an investor suing after a down round and a regulator questioning AI capability claims. ⁵ ¹ ³

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

Ask HUB how it's paid on your placement and which insurer it proposes. ¹
Ask Risklytics which insurer is quoting and who you call if a claim arrives. ⁴
If you're not a venture-backed startup, ask Risklytics whether it places your type of company. ³

HUB International vs Risklytics D&O Insurance Compared

HUB International vs Risklytics: D&O Insurance: documented features by provider

Criteria	HUB International Directors and Officers Insurance Brokerage	Risklytics Directors & Officers Insurance
Who It’s For	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. ¹Company-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. ³Company-reported. Lines page.
How to Apply	HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. ¹Company-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. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	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. ¹Company-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. ¹Company-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. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	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. ^1,²Company-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. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
Risk Services	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. ²Company-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. ³Company-reported. Lines page.