--- title: "Risklytics vs TechInsurance: D&O Insurance" description: "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." canonical: "https://spot.insure/compare/risklytics-vs-techinsurance/directors-officers" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "risklytics-vs-techinsurance" provider-a: "risklytics" provider-b: "techinsurance" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/risklytics-vs-techinsurance/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Risklytics and TechInsurance for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for D&O Insurance questions about Risklytics versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Risklytics vs TechInsurance for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Risklytics or TechInsurance? - What does Risklytics or TechInsurance publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: Risklytics and TechInsurance. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Risklytics vs TechInsurance](https://spot.insure/compare/risklytics-vs-techinsurance) — all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # 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 suits venture-backed robotics, autonomy and AI startups buying a first $1–3 million D&O policy with no broker fee, while TechInsurance suits small companies and nonprofits that want D&O added to a GL or business owner's policy at a $133 median monthly cost. ## Risklytics vs TechInsurance D&O Insurance Summary 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [3](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [2](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ## 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [2](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ### 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ### 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ## 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Ask TechInsurance whether you're quoted standalone or as a GL/BOP endorsement, and the retroactive date. [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Ask both which insurer issues the policy; neither names one. [1](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ## Risklytics vs TechInsurance D&O Insurance Compared | 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. [1](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [4](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..) | | 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. [1](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [4](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 | 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. [1](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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). [4](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..)

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. [4](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..) | | 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. [2](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) | ## About Risklytics and TechInsurance and D&O Insurance - [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews) - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers) ## Related Pages for Risklytics vs TechInsurance D&O Insurance - [Risklytics vs TechInsurance](https://spot.insure/compare/risklytics-vs-techinsurance): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [Risklytics D&O Insurance](https://spot.insure/insurance-providers/risklytics/directors-officers) - [TechInsurance D&O Insurance](https://spot.insure/insurance-providers/techinsurance/directors-officers) ## Sources for Risklytics vs TechInsurance D&O Insurance ### Sources About Risklytics 1. [Directors & Officers Insurance](https://www.risklytics.ai/lines/management/). 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. 2. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23. 3. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23. ### Sources About TechInsurance 4. [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. Updated 2026-09-25. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/risklytics-vs-techinsurance/directors-officers.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)