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

HUB International brokers D&O across private, public, and nonprofit organizations; TechInsurance arranges coverage and explains its role in legal costs tied to management decisions.

TechInsurance sells D&O on its own or as an add-on to a general liability or business owner's policy, and says policyholders pay a median $133 a month. HUB places D&O as a separate executive-liability policy through its ProEx broking practice and publishes no prices. ^1,^2,³

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

Add-On to a Policy You Have vs a Separate Placement

TechInsurance lets you buy D&O as its own policy or bolt it onto a general liability or business owner's policy, so it can ride on a package you already carry. It targets companies with an active board, including venture-backed startups whose term sheets require D&O, and nonprofits. ³ HUB's ProEx practice places D&O as a separate executive-liability policy with an insurer it chooses, for private companies, nonprofits and public companies. ¹ ² Choose TechInsurance if you are a small startup or nonprofit that wants basic D&O at a known price point; choose HUB if you are a public company or a larger organization that needs a dedicated placement. ³ ¹

Only TechInsurance Shows a Price

TechInsurance's median premium is $133 a month, moving with limits, deductible, location, industry, headcount, revenue, claims history and IPO potential. ³ HUB publishes no premiums, limits or retentions. ¹ Compare cost only once both quotes show the same limit and retention.

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

Ask TechInsurance whether you're quoted standalone D&O or an add-on to your general liability or business owner's policy. ³
Ask HUB which insurer would issue the policy. ²
Ask HUB whether its form is claims-made, as TechInsurance's is; HUB's pages don't say. ³ ¹
Get HUB's limit and retention, and compare its premium with TechInsurance's $133 median. ³ ¹

HUB International vs TechInsurance D&O Insurance Compared

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

Criteria	HUB International Directors and Officers Insurance Brokerage	TechInsurance Directors and Officers Insurance (D&O)
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.	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. ³Company-reported. D&O product page, Who needs D&O insurance coverage? section.
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.	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). ³Company-reported. D&O product page; general policy description, not a specific policy form. 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. ³Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.
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.	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. ³Company-reported. D&O product page.

Criteria

HUB International Directors and Officers Insurance Brokerage

TechInsurance Directors and Officers Insurance (D&O)

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.

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. ³Company-reported. D&O product page, Who needs D&O insurance coverage? section.

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.

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). ³Company-reported. D&O product page; general policy description, not a specific policy form.

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. ³Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.

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.

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. ³Company-reported. D&O product page.