--- title: "Liberty Mutual vs Risklytics: D&O Insurance" description: "Liberty Mutual names inquiry features without limits; Risklytics reports $1–3 million as a typical startup D&O limit request." canonical: "https://spot.insure/compare/liberty-mutual-vs-risklytics/directors-officers" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "liberty-mutual-vs-risklytics" provider-a: "liberty-mutual" provider-b: "risklytics" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/liberty-mutual-vs-risklytics/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Liberty Mutual 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 Liberty Mutual versus Risklytics. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Liberty Mutual vs Risklytics for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Liberty Mutual or Risklytics? - What does Liberty Mutual or Risklytics publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from Liberty Mutual or Risklytics? **Key facts:** - Line: D&O Insurance. Providers: Liberty Mutual and Risklytics. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Liberty Mutual vs Risklytics](https://spot.insure/compare/liberty-mutual-vs-risklytics) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence) - [Liberty Mutual vs Risklytics Commercial Property Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/commercial-property) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Risklytics Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Risklytics General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Risklytics Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Risklytics Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Risklytics D&O Insurance](https://spot.insure/compare/aig-vs-risklytics/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Risklytics D&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Risklytics D&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/directors-officers) — sibling comparison (other line, or other pair for this line) # Liberty Mutual vs Risklytics: How Do They Compare for D&O Insurance? Liberty Mutual names inquiry features without limits; Risklytics reports $1–3 million as a typical startup D&O limit request. ## How to Use the Liberty Mutual vs Risklytics D&O Insurance Comparison Use this comparison to evaluate Liberty Mutual and Risklytics for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Liberty Mutual vs Risklytics D&O Insurance Summary Liberty Mutual’s ProShield overview identifies investigation and pre-claim inquiry coverage but no overall limit. Risklytics reports $1–3 million as a typical request for venture-backed companies. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [7](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") ## What Is Liberty Mutual Business Insurance? Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [1](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is Risklytics Insurance? Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [5](https://www.risklytics.ai/ "Insurance for Frontier Tech") [6](https://www.risklytics.ai/terms/ "Terms of Service") [Risklytics profile](https://spot.insure/insurance-providers/risklytics) ## What Is Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [9](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [10](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [11](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between Liberty Mutual and Risklytics D&O Insurance? ### Specific features in the reviewed records Risklytics says $1–3 million is a typical D&O limit request for venture-backed companies; this is a market benchmark, not a promise of available terms. Liberty Mutual’s ProShield overview identifies investigation and pre-claim inquiry features but publishes no overall limit. A startup should compare Risklytics’ quoted tower with the amount actually offered under ProShield and determine whether early inquiries erode the limit. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ### How each route is structured Risklytics places D&O with outside carriers and says specialist insurers may take robotics, autonomy and AI risks; it does not name the eventual carrier. Liberty Mutual presents ProShield as a management-liability package. For an AI startup, the carrier and any AI exclusion in the issued wording can change the practical scope, so request endorsements alongside the proposal rather than relying on an overview. [7](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## What Should You Confirm in Liberty Mutual and Risklytics D&O Insurance Quotes? - Which carrier will issue Risklytics’ policy, and are AI-related allegations excluded or sublimited? What is the quoted ProShield D&O limit and how does its investigation trigger work? Compare retentions and shared aggregates. ## Liberty Mutual vs Risklytics D&O Insurance Compared | Criteria | Liberty Mutual ProShield Directors and Officers coverage | Risklytics Directors & Officers Insurance | | --- | --- | --- | | Role in This Line | Liberty Mutual includes D&O coverage in its ProShield management-liability package. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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..) | | Issuing Insurer | Confirm in your 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. [7](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) | | Who It’s For | The source describes private-company and not-for-profit ProShield options; it does not establish availability for every organization. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) | | Coverage Features | The page lists selected D&O features such as investigation and pre-claim inquiry coverage and separate options for private and not-for-profit companies; policy wording controls. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | 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. [7](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | | Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. [7](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) | | Risk Services | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. [7](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) | | How to Apply | Confirm in your quote. | 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. [8](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..) | ## Related Pages for Liberty Mutual vs Risklytics D&O Insurance - [Liberty Mutual vs Risklytics](https://spot.insure/compare/liberty-mutual-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. - [Liberty Mutual vs Risklytics Commercial Property Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/commercial-property) - [Liberty Mutual vs Risklytics Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/cyber) - [Liberty Mutual vs Risklytics General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/general-liability) - [Liberty Mutual vs Risklytics Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/inland-marine) - [Liberty Mutual vs Risklytics Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/technology-errors-omissions) - [Liberty Mutual vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/umbrella-excess) - [Liberty Mutual vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-risklytics/workers-compensation) - [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers) - [AIG vs Risklytics D&O Insurance](https://spot.insure/compare/aig-vs-risklytics/directors-officers) - [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/directors-officers) - [Alliance Risk vs Risklytics D&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/directors-officers) - [Amelia Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/directors-officers) - [Amelia Risk vs Risklytics D&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/directors-officers) ## Sources for Liberty Mutual vs Risklytics D&O Insurance ### Sources About Liberty Mutual 1. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29. 2. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29. 3. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29. ### Sources About Risklytics 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. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 6. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 7. [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. 8. [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. ### Sources for the D&O Insurance Guide 9. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 10. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 11. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## Risklytics Review Scores for 2026 Review Score: not enough ratings. Risklytics has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/risklytics/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/liberty-mutual-vs-risklytics/directors-officers.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)