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

Risklytics Insurance Services focuses on venture-backed startups and cites a typical limit ask of $1 million to $3 million, while TechInsurance arranges D&O and explains its role in legal costs.

Risklytics fits venture-backed deep-tech startups closing a priced round: a typical $1 million to $3 million limit, applied for online, with no broker fee. TechInsurance fits small employers and nonprofits that want D&O cheaply, alone or added to a GL or business owner's policy, at a median $133 a month. ^1,^3,^2,⁴

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

Funded Deep-Tech Startup vs Small Board Needing an Add-On

Risklytics says most startups buy D&O at or before their first priced round, when term sheets and new board members require it, and places with specialist insurers willing to write robotics, autonomy and AI risk. TechInsurance names employers with stockholders, venture-backed startups and nonprofits as buyers, and lets you attach D&O to general liability or a business owner's policy. Choose Risklytics if you're a venture-backed robotics, autonomy or AI company; choose TechInsurance if you're a small company or nonprofit that wants D&O on a policy you already hold. ¹ ² ⁴

A Limit Benchmark vs a Price Benchmark

Risklytics gives the typical limit: $1–3 million for venture-backed companies. TechInsurance gives the typical price: a median of $133 a month, driven by limit, deductible, jurisdiction, industry, headcount, revenue, claims history and IPO potential. Neither publishes the other number, so ask each for it. ¹ ⁴

No Broker Fee vs Claims-Made Basics

Risklytics charges no fee on top of premium and keeps one producer on your file until bind. TechInsurance's D&O is claims-made, so it only responds if the policy is active when the claim arrives, and it excludes fraud and embezzlement. ³ ⁴

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

Ask Risklytics for the premium on a $1–3 million limit, and TechInsurance for the limit behind its quote. ¹ ⁴
Ask TechInsurance whether you're quoted standalone or as a GL/BOP endorsement, and the retroactive date. ⁴
Ask both which insurer issues the policy; neither names one. ¹ ⁴

Risklytics vs TechInsurance D&O Insurance Compared

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

Criteria	Risklytics Directors & Officers Insurance	TechInsurance Directors and Officers Insurance (D&O)
Limits and Retentions	Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. ¹Company-reported. Lines page; actual limits are set on the bound policy.	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. ⁴Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
Who It’s For	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. ¹Company-reported. Lines page.	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. ⁴Company-reported. D&O product page, Who needs D&O insurance coverage? section.
Coverage Features	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. ¹Company-reported. Lines page; the issued policy and declarations control actual coverage.	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). ⁴Company-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. ⁴Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.
Role in This Line	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. ²Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.	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. ⁴Company-reported. D&O product page.