Marsh vs Risklytics D&O Insurance

Marsh's financial and professional liability practice places D&O insurance for public, private and non-profit companies; MMA also places D&O coverage within its executive and professional liability practice for middle-market clients. ^5,6Company-reported. Marsh D&O page and MMA executive and professional liability page.

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. ⁷Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

The reviewed pages do not name a specific D&O insurer. ^5,6Not publicly disclosed. Marsh D&O page and MMA executive and professional liability page as read on 2026-09-23.

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. ^10,7Company-reported. Lines page and about page; no specific insurer is published for this line.

Marsh says public company directors and officers typically face more securities-lawsuit exposure from shareholders and regulators, while private and non-profit organizations more often face employment-practices claims from customers, vendors or regulators; directors and officers of all organization types can face cyber-related liability exposure. ⁵Company-reported. Marsh D&O page, common risks FAQ.

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. ¹⁰Company-reported. Lines page.

Marsh says D&O insurance typically has three coverage sides: Side A protects directors' and officers' personal assets when the organization cannot or will not indemnify them; Side B reimburses the organization for indemnifying directors and officers; Side C offers balance-sheet protection when the entity itself is named, generally limited to securities claims for public companies. ⁵Company-reported. Marsh D&O page FAQ; illustrative policy structure, not a specific policy form.

Marsh says ESG-related stakeholder scrutiny, covering areas such as carbon emissions, renewable-energy use, labor practices, board diversity and executive compensation, can add regulatory, legislative or litigation pressure on directors and officers beyond traditional D&O exposures. ⁵Company-reported. Marsh D&O page, What other risks do directors and officers face? section.

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. ¹⁰Company-reported. Lines page; the issued policy and declarations control actual coverage.

Not described in the reviewed sources.

Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. ¹⁰Company-reported. Lines page; actual limits are set on the bound policy.

Not described in the reviewed sources.

Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. ¹⁰Company-reported. Lines page.

Not described in the reviewed sources.

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. ^11,7Company-reported. Pricing page describes the general application and fee process, not a line-specific form.