Risklytics vs 
TechInsurance D&O Insurance
Risklytics cites a $1–$3 million D&O ask; TechInsurance cites a $133 median and claims-made Side A/B/C.
What Is Risklytics Insurance?
Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. 1,2,3
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. 6,7
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 9
Key Differences in D&O Insurance
Standalone Placement Versus a Package Endorsement
Risklytics describes itself as a licensed producer that places D&O with outside carriers and says it does not underwrite. TechInsurance arranges D&O as a standalone policy or as an endorsement to general liability or a business owner’s policy, so a buyer may be attaching D&O to a package instead of opening a separate producer placement. 1 8
TechInsurance’s page describes that endorsement choice. Risklytics’ reviewed sources do not describe D&O as a GL or BOP rider. 8 1
Limit Talk Versus a Median Premium
Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies. That figure is a common request on its lines page, not a published TechInsurance limit, so it tells a buyer what Risklytics expects to market—not what TechInsurance would bind. 4 8
TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on limits, deductible, jurisdiction, industry, headcount, revenue, claims history and IPO potential. Risklytics does not publish a median premium, so $133 cannot be used as a Risklytics price. 8 4
When Each Page Says Buyers Need D&O
Risklytics says the norm is buying at or before the first priced round, because term sheets and incoming board members typically require D&O as a closing condition. TechInsurance instead names who it thinks needs a board-level policy: employers with employees or stockholders, venture-backed startups, and nonprofits. 4 8
A founder comparing them is looking at a timing story from Risklytics and an occupancy list from TechInsurance. Neither page uses the other’s framing, so the buyer still has to match the quote to round timing and to whether a board actually exists. 4 8
What to Confirm in D&O Insurance Quotes
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Ask Risklytics whether $1–$3 million is the limit it would market, and ask TechInsurance for the quoted premium rather than relying on the $133 median. 4 8
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Confirm whether TechInsurance would bind standalone or as a GL/BOP endorsement. 8
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Confirm claims-made retroactive dates on the TechInsurance form. 8
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Get the issuing insurer from both; Risklytics does not name a D&O carrier, and TechInsurance’s reviewed sources do not name one either. 4 8
Offering Details
Risklytics vs TechInsurance D&O Insurance: documented features by provider
| Criteria | Risklytics Directors & Officers Insurance | TechInsurance Directors and Officers Insurance (D&O) |
|---|---|---|
| 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. 1Company-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. 8Company-reported. D&O product page. |
| Issuing Insurer | 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. 4,1Company-reported. Lines page and about page; no specific insurer is published for this line. | 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 | 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. 4Company-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. 8Company-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. 4Company-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). 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 | Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. 4Company-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. 8Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| Risk Services | Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. 4Company-reported. Lines page. | Not described in the reviewed sources. |
| How to Apply | 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. 5,1Company-reported. Pricing page describes the general application and fee process, not a line-specific form. | Not described in the reviewed sources. |
Full Comparison
More Risklytics vs TechInsurance Comparisons
Other D&O Insurance Comparisons
Sources
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Directors & Officers Insurance. Risklytics; Coverage line: Directors & Officers; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. 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.
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.
