---
title: "Markel Insurance vs TechInsurance: D&O Insurance"
description: "TechInsurance explains Side A, B, and C and cites a median monthly premium; Markel describes private-company and nonprofit D&O coverage without published cost figures."
canonical: "https://spot.insure/compare/markel-vs-techinsurance/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "markel-vs-techinsurance"
provider-a: "markel"
provider-b: "techinsurance"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/markel-vs-techinsurance/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Markel Insurance and TechInsurance 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 Markel Insurance versus TechInsurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Markel Insurance vs TechInsurance for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Markel Insurance or TechInsurance?
- What does Markel Insurance or TechInsurance publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from Markel Insurance or TechInsurance?

**Key facts:**
- Line: D&O Insurance. Providers: Markel Insurance and TechInsurance.
- 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:**
- [Markel Insurance vs TechInsurance](https://spot.insure/compare/markel-vs-techinsurance) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence)
- [Markel Insurance vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/markel-vs-techinsurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs TechInsurance Cyber Insurance](https://spot.insure/compare/markel-vs-techinsurance/cyber) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/markel-vs-techinsurance/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/markel-vs-techinsurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-techinsurance/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance D&O Insurance](https://spot.insure/compare/aig-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs TechInsurance D&O Insurance](https://spot.insure/compare/aig-vs-techinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Markel Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)

# Markel Insurance vs TechInsurance: How Do They Compare for D&O Insurance?

TechInsurance explains Side A, B, and C and cites a median monthly premium; Markel describes private-company and nonprofit D&O coverage without published cost figures.

## Research Scope and Use

Use this comparison to evaluate Markel Insurance and TechInsurance 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.

## Summary

TechInsurance describes three D&O coverage sides and reports a $133 monthly median premium. Markel offers standalone or blended D&O across private-company and nonprofit programs, with costs set by quote. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## Markel Insurance: Specialty Business and Products

Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [1](https://www.markel.com/about-us "About us") [2](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

## What Is TechInsurance?

TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. [4](https://www.techinsurance.com/about-us "About TechInsurance") [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [9](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [10](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## Key Differences in D&O Insurance

### Coverage structure and price reference

TechInsurance explains Side A personal protection, Side B company reimbursement, and Side C entity coverage, and says its policy is claims-made. It reports a median premium of $133 per month, with price affected by limits, deductible, jurisdiction, industry, headcount, revenue, claims, and IPO potential. Markel describes covered leadership claims and defense, settlement, and judgment costs but does not publish a comparable premium figure in the reviewed record. Treat TechInsurance’s median as context, then compare full quotes. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

### Company fit and policy form

TechInsurance targets organizations with active boards, including employers, venture-backed startups, and nonprofits, and offers D&O standalone or as a BOP or general-liability endorsement. Markel lists standalone or blended D&O for private businesses and nonprofits across sectors such as PEOs, healthcare, energy, education, and associations. Compare whether an endorsement or separate policy fits your existing program. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

## What to Confirm in D&O Insurance Quotes

- Ask TechInsurance whether its median applies to your size and whether an endorsement or standalone form is proposed. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")
- Ask Markel for the quote premium, limit, retention, and whether D&O is packaged with other management-liability lines. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

## Offering Details

| Criteria | Markel private and nonprofit D&O | TechInsurance Directors and Officers Insurance (D&O) |
| --- | --- | --- |
| Role in This Line | Markel lists directors-and-officers liability within private-company and nonprofit management-liability offerings, as standalone or blended coverage. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: U.S. private/nonprofit product page; exact coverage structure varies by policy..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for a D&O policy. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Not publicly disclosed; scope: D&O product page as read on 2026-09-23..) |
| Who It’s For | The page names private equity/portfolio companies, PEOs, hospitality, energy and healthcare among private-sector customer types, plus healthcare, education and associations among nonprofits. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: Examples are not an exhaustive appetite or eligibility list..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, Who needs D&O insurance coverage? section..) |
| Coverage Features | The page describes D&O protection for organizational leaders against covered claims such as mismanagement, breach of duty or regulatory violations, with defense costs, settlements and judgments subject to policy terms. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: Illustrative marketing description; not policy wording..) | 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). [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)<br><br>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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, How does directors and officers insurance work? and exclusions sections..) |
| Limits and Retentions | Confirm in your quote. | TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |

## Full Comparison

- [Markel Insurance vs TechInsurance](https://spot.insure/compare/markel-vs-techinsurance): 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.
- [Markel Insurance vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/markel-vs-techinsurance/commercial-property)
- [Markel Insurance vs TechInsurance Cyber Insurance](https://spot.insure/compare/markel-vs-techinsurance/cyber)
- [Markel Insurance vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/markel-vs-techinsurance/employment-practices)
- [Markel Insurance vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/markel-vs-techinsurance/umbrella-excess)
- [Markel Insurance vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-techinsurance/workers-compensation)
- [AIG vs Markel Insurance D&O Insurance](https://spot.insure/compare/aig-vs-markel/directors-officers)
- [AIG vs TechInsurance D&O Insurance](https://spot.insure/compare/aig-vs-techinsurance/directors-officers)
- [Alliance Risk vs Markel Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-markel/directors-officers)
- [Alliance Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers)
- [Amelia Risk vs Markel Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-markel/directors-officers)
- [Amelia Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/directors-officers)

## Sources

### Markel Insurance

1. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
2. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
3. [Private and Nonprofit Management Liability Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit). Markel; What we offer; private/nonprofit segment; D&O, EPL, fiduciary and optional coverage sections.. Accessed 2026-09-29.

### TechInsurance

4. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
5. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). Accessed 2026-09-23.

### D&O Insurance Guide

8. [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.
9. [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.
10. [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.

## Markel Insurance Reviews

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews).

## TechInsurance Reviews

Review Score: 9.1 / 10 from 2 rated sources, equally weighted.

TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.

- Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com)
- ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/techinsurance/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/markel-vs-techinsurance/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)