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

Marsh describes a three-part D&O program for public-company leaders, while TechInsurance arranges coverage and explains its role in legal costs tied to management decisions.

TechInsurance sells D&O standalone or as an add-on to a general liability or business owner's policy, at a median $133 a month; Marsh brokers D&O for public, private and nonprofit organizations and publishes no prices. ^3,^1,²

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

Small-Business Add-On vs Large-Broker Placement

TechInsurance prices D&O from your limit, deductible, headcount, revenue and IPO potential, and targets companies with employees or stockholders, venture-backed startups and nonprofits. Marsh's practice places D&O for public, private and nonprofit companies, and Marsh McLennan Agency serves the middle market. Choose TechInsurance if you're a small tech company, startup or nonprofit that needs D&O for a term sheet or board; choose Marsh if you're public, facing securities-suit exposure, or large enough to need a negotiated placement. ³ ¹ ²

Risks Each Addresses

Marsh says public companies mostly face securities suits, private companies and nonprofits more often face employment claims, and ESG scrutiny of emissions, labor practices, board diversity and pay is adding pressure. TechInsurance lists employment practices, mismanaged funds, bylaw violations, regulatory non-compliance and IP claims, and excludes criminal acts such as fraud or embezzlement. ¹ ³

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

Ask TechInsurance whether your D&O would be standalone or an endorsement, and which insurer issues it. ³
Compare your TechInsurance premium to its $133 median, which reflects its own customers. ³
Ask Marsh which insurers it would approach, plus limits and retentions; it publishes none. ¹

Marsh vs TechInsurance D&O Insurance Compared

Marsh vs TechInsurance: D&O Insurance: documented features by provider

Criteria	Marsh Directors and Officers Liability (D&O) Insurance	TechInsurance Directors and Officers Insurance (D&O)
Who It’s For	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. ¹Company-reported. Marsh D&O page, common risks FAQ.	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	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. ¹Company-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. ¹Company-reported. Marsh D&O page, What other risks do directors and officers face? section.	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	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. ^1,²Company-reported. Marsh D&O page and MMA executive and professional liability page.	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

Marsh Directors and Officers Liability (D&O) Insurance

TechInsurance Directors and Officers Insurance (D&O)

Who It’s For

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. ¹Company-reported. Marsh D&O page, common risks FAQ.

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

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. ¹Company-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. ¹Company-reported. Marsh D&O page, What other risks do directors and officers face? section.

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

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. ^1,²Company-reported. Marsh D&O page and MMA executive and professional liability page.

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.