Risklytics vs Travelers D&O Insurance

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.

Travelers underwrites D&O liability insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. ⁹Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page.

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 product page's video disclosures name Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ⁹Company-reported. Product page video legal footer.

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.

Travelers markets D&O coverage to private companies, public companies, financial institutions and nonprofit organizations with boards of directors, and offers a version specifically for nonprofit organizations. ⁹Company-reported. Product page "Who is D&O liability insurance right for?" section and nonprofit D&O video segment.

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.

Travelers says D&O insurance protects directors and officers from personal losses if sued by employees, vendors, customers or other parties, covering defense costs, settlements and other costs from wrongful-act allegations such as securities litigation, regulatory actions and breach-of-fiduciary-duty claims. ⁹Company-reported. Product page introduction and "Travelers knows Directors & Officers Liability Insurance" section; exact terms and exclusions are set by the issued policy.

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.

The reviewed page does not publish D&O limits, retentions or premiums; it references illustrative claim examples (settlements and defense costs from roughly $85,000 to over $1 million) as general risk context, not as policy terms. ⁹Not found in reviewed sources. Product page video claim scenarios as read on 2026-09-23.

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.

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.

D&O coverage is bought through a Travelers independent agent. ⁹Company-reported. Product page "Find an insurance agent" call to action.