---
title: "HUB International vs Risklytics: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-risklytics/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-risklytics"
provider-a: "hub-international"
provider-b: "risklytics"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-risklytics/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Risklytics for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about HUB International versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Risklytics for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, HUB International or Risklytics?
- What does HUB International or Risklytics publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: HUB International and Risklytics.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 a venture-backed startup apply for D&O online with no broker fee, typically for $1 million to $3 million, while HUB is a large broker for private, nonprofit and public companies with attorneys on claims.

## HUB International vs Risklytics D&O Insurance Summary

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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")

## 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")
- Ask Risklytics which insurer is quoting and who you call if a claim arrives. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- If you're not a venture-backed startup, ask Risklytics whether it places your type of company. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")

## HUB International vs Risklytics D&O Insurance Compared

| 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About HUB International and Risklytics and D&O Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for HUB International vs Risklytics D&O Insurance

- [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers)
- [Risklytics D&O Insurance](https://spot.insure/insurance-providers/risklytics/directors-officers)

## Sources for HUB International vs Risklytics D&O Insurance

### Sources About HUB International

1. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
2. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### Sources About Risklytics

3. [Directors & Officers Insurance](https://www.risklytics.ai/lines/management/). Risklytics; Coverage line: Directors & Officers; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
4. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
5. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

Updated 2026-09-25. 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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