Nationwide vs 
TechInsurance: How Do They Compare for D&O Insurance?
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 1,2,3
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. 5,6,7
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. 9,10,11
Key Differences in D&O Insurance
Coverage structure and stated scope
Nationwide describes D&O for claims tied to alleged decisions or wrongful acts by directors and officers, subject to the issued policy. TechInsurance explains three sides: personal protection for directors (Side A), company reimbursement (Side B), and entity coverage (Side C, mainly public-company securities claims). That structure gives a buyer specific allocation questions to resolve against the proposed form. 4 8
Price information and quote variables
TechInsurance reports a $133 monthly median, while Nationwide’s reviewed product overview sets no standard premium or limit. The median is a reference point rather than a quote: TechInsurance says limits, deductible, jurisdiction, industry, headcount, revenue, claims history, and IPO potential affect price. Nationwide’s agent route also requires a risk-specific proposal. 8 4
What to Confirm in D&O Insurance Quotes
Nationwide and TechInsurance Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Nationwide Review Score
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsTechInsurance Review Score
Review Score
2 rated sources
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.[4][5]
Read TechInsurance reviewsNationwide vs TechInsurance D&O Insurance Compared
Nationwide vs TechInsurance: D&O Insurance: documented features by provider
| Criteria | Nationwide directors officers (official overview) | TechInsurance Directors and Officers Insurance (D&O) |
|---|---|---|
| Role in This Line | Nationwide describes offering directors officers for the audience stated on the cited product page. 4Company-reported. directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | 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. 8Company-reported. D&O product page. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for a D&O policy. 8Not publicly disclosed. D&O product page as read on 2026-09-23. |
| Who It’s For | Businesses and directors/officers described by Nationwide; page does not establish universal limits or terms. 4Company-reported. directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility 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. 8Company-reported. D&O product page, Who needs D&O insurance coverage? section. |
| Coverage Features | The cited product page describes D&O insurance for claims tied to alleged decisions or wrongful acts by company directors and officers, subject to policy terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 4Company-reported. directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | 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). 8Company-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. 8Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections. |
| Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 4Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. | 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. 8Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| How to Apply | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 4Company-reported. directors officers marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | Confirm in your quote. |
Related Pages for Nationwide vs TechInsurance D&O Insurance
D&O Insurance Pages for Nationwide and TechInsurance
Other Coverage Lines Compared for Nationwide vs TechInsurance
Other D&O Insurance Provider Comparisons
Sources for Nationwide vs TechInsurance D&O Insurance
Sources About Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Directors and Officers Liability. Nationwide; D&O page; management-liability product and covered exposures. Accessed 2026-09-30.
Sources About TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- 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.
- Directors and Officers Insurance (D&O) Quotes Online. 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.
Sources for the D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. 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.
- Private Company Directors and Officers Liability Coverage. 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.
