---
title: "Relm Insurance vs TechInsurance D&O Insurance"
description: "Relm is a broker-placed D&O market; TechInsurance quotes D&O as a standalone policy or a GL/BOP endorsement."
canonical: "https://spot.insure/compare/relm-vs-techinsurance/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Relm Insurance vs TechInsurance D&O Insurance

Relm is a broker-placed D&O market; TechInsurance quotes D&O as a standalone policy or a GL/BOP endorsement.

## Research Scope and Use

Use this comparison to evaluate Relm 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

Relm sells D&O through other brokers and does not publish a direct quote path. TechInsurance arranges D&O as a standalone policy or as an endorsement on general liability or a business owner’s policy and cites a median monthly premium from its own book. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [1](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [2](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [4](https://www.techinsurance.com/about-us "About TechInsurance") [5](https://www.techinsurance.com/contact-us "Contact Us")

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

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [7](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### How You Reach the Policy

Relm sells D&O through other brokers and does not describe a founder-facing online quote. TechInsurance presents D&O as something the company can buy as its own policy or attach as an endorsement to general liability or a business owner’s policy. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

If you already have a broker, Relm is a market that broker can use. TechInsurance is set up as a quote for the company itself. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

### What Each Description Says the Policy Does

Relm frames D&O as protecting directors’ and officers’ personal assets for legal fees, settlements and losses when they are held liable for management decisions, and notes that wording can differ by carrier. TechInsurance splits the form into Side A, Side B and Side C and says the coverage is claims-made. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

TechInsurance also excludes criminal acts such as fraud or embezzlement. Relm’s reviewed sources do not state a claims-made trigger or those exclusions. [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### Price Figures and Who It Is For

TechInsurance reports a median of $133 per month from its own book. Relm’s reviewed sources do not publish premiums, limits or retentions. [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

Relm names Web3, biotechnology and AI as example sectors. TechInsurance names employers with employees or stockholders, venture-backed startups and nonprofits. Neither names the issuing insurer for a given D&O policy. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## What to Confirm in D&O Insurance Quotes

- Ask whether Relm access is only through your existing broker and whether TechInsurance would bind D&O standalone or as an endorsement. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

- Confirm claims-made dates and fraud exclusions on the TechInsurance form, which Relm’s page does not spell out. [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

- Treat the $133 median as TechInsurance’s own book figure, not a quote for your company, and get Relm’s actual limit and retention. [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

- Get the issuing carrier name from both, which neither D&O page publishes. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## Offering Details

| Criteria | Relm Directors and Officers Liability Insurance | TechInsurance Directors and Officers Insurance (D&O) |
| --- | --- | --- |
| Role in This Line | Relm markets D&O liability as a line brokers can place through Relm for their clients, describing custom coverage rather than a one-size-fits-all policy. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) | 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. [6](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 | The reviewed Financial Lines page does not name a specific issuing insurer for D&O placements; Relm's separate legal-information and fronting-partner pages describe Relm Insurance Ltd. and an external fronting insurer generally, not tied to this specific line. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) | The reviewed page does not name the issuing insurer for a D&O policy. [6](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 | Relm targets companies in disruptive or fast-changing sectors, naming Web3 founders, biotechnology leaders and AI pioneers as examples, and says any company with a board benefits, with startups especially needing it to attract executives. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; not a guarantee of eligibility for a particular company..) | 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. [6](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 | Relm says D&O coverage generally protects directors and officers' personal assets by covering legal fees, settlements and financial losses when they are held liable for decisions made managing the company, including claims from shareholders, regulators, competitors or employees. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control..) | 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). [6](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. [6](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 | Not described in the reviewed sources. | 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. [6](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..) |
| Risk Services | The reviewed D&O page does not describe dedicated risk-control, governance-advisory or claims-advocacy services beyond the general coverage description. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not found in reviewed sources; scope: Financial Lines page as read on 2026-09-23..) | Not described in the reviewed sources. |
| How to Apply | Relm sells D&O through insurance brokers (its page says brokers can use Relm to protect clients' leadership teams); it does not describe a direct online quote. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages..) | Not described in the reviewed sources. |

## Full Comparison

- [Relm Insurance vs TechInsurance](https://spot.insure/compare/relm-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Relm Insurance vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/relm-vs-techinsurance/commercial-property)
- [Relm Insurance vs TechInsurance Cyber Insurance](https://spot.insure/compare/relm-vs-techinsurance/cyber)
- [Relm Insurance vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/relm-vs-techinsurance/employment-practices)
- [Relm Insurance vs TechInsurance General Liability Insurance](https://spot.insure/compare/relm-vs-techinsurance/general-liability)
- [Relm Insurance vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/relm-vs-techinsurance/inland-marine)
- [Relm Insurance vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/relm-vs-techinsurance/professional-errors-omissions)
- [Relm Insurance vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/relm-vs-techinsurance/technology-errors-omissions)
- [Relm Insurance vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/relm-vs-techinsurance/umbrella-excess)
- [Alliance Risk vs Relm Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-relm/directors-officers)
- [Alliance Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers)
- [Amelia Risk vs Relm Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-relm/directors-officers)
- [Amelia Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/directors-officers)
- [Beazley vs Relm Insurance D&O Insurance](https://spot.insure/compare/beazley-vs-relm/directors-officers)
- [Beazley vs TechInsurance D&O Insurance](https://spot.insure/compare/beazley-vs-techinsurance/directors-officers)

## Sources

### Relm Insurance

1. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
2. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
3. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Directors and Officers (D&O) Liability Insurance: What Is D&O Liability Insurance?; Risk Is Part of the Role. Personal Exposure Doesn't Have to Be.; What Does D&O Insurance Cover?. Accessed 2026-09-23.

### 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. [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.
6. [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

7. [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.

Updated 2026-09-23. 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.

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- [Markdown page](https://spot.insure/compare/relm-vs-techinsurance/directors-officers.md)
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