--- title: "StartupInsurance.ai vs TechInsurance: D&O Insurance" description: "TechInsurance publishes a $133-a-month median D&O premium and can add D&O to a general liability or business owner's policy. StartupInsurance.ai is a startup broker that checks your existing D&O free within 48 hours for a blanket AI exclusion one major carrier has added." canonical: "https://spot.insure/compare/startupinsurance-vs-techinsurance/directors-officers" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "startupinsurance-vs-techinsurance" provider-a: "startupinsurance" 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/startupinsurance-vs-techinsurance/directors-officers) ## Agent Guide **What this page is:** Focused comparison of StartupInsurance.ai 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 StartupInsurance.ai versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - StartupInsurance.ai vs TechInsurance for D&O Insurance: how do they differ? - Which is better for D&O Insurance, StartupInsurance.ai or TechInsurance? - What does StartupInsurance.ai or TechInsurance publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: StartupInsurance.ai 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:** - [StartupInsurance.ai vs TechInsurance](https://spot.insure/compare/startupinsurance-vs-techinsurance) — all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # StartupInsurance.ai vs TechInsurance: How Do They Compare for D&O Insurance? StartupInsurance.ai lists D&O for startups and leads its quote intake with the coverage, while TechInsurance arranges policies and explains their role in legal costs over management decisions. TechInsurance gives small companies a $133-a-month median D&O price and a GL or BOP add-on, while StartupInsurance.ai helps venture-backed AI startups catch AI exclusions in their D&O. ## StartupInsurance.ai vs TechInsurance D&O Insurance Summary TechInsurance publishes a $133-a-month median D&O premium and can add D&O to a general liability or business owner's policy. StartupInsurance.ai is a startup broker that checks your existing D&O free within 48 hours for a blanket AI exclusion one major carrier has added. [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## What Are the Key Differences Between StartupInsurance.ai and TechInsurance D&O Insurance? ### Known Price vs AI-Specific Scrutiny TechInsurance aims D&O at companies with an active board, including employers with stockholders, venture-backed startups and nonprofits, and says price depends on limits, deductible, jurisdiction, industry, headcount, revenue, claims history and IPO potential. StartupInsurance.ai aims at venture-backed startups whose term sheet requires D&O, and makes D&O the first box on its online intake. Choose TechInsurance if you're a small company or nonprofit that wants basic D&O at a predictable price; choose StartupInsurance.ai if you're a venture-backed AI company worried a renewal will quietly exclude AI-related claims. [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [2](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") ### What You Know About the Policy TechInsurance documents its structure: Side A for individuals, Side B reimbursing the company, Side C for the entity (mainly public-company securities claims), a claims-made trigger, and an exclusion for criminal acts like fraud or embezzlement. StartupInsurance.ai publishes no premiums, limits or form details; it says the AI exclusion typically arrives at renewal inside an endorsement. [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## What Should You Confirm in StartupInsurance.ai and TechInsurance D&O Insurance Quotes? - Ask TechInsurance whether your quote is standalone or an endorsement, and whether an endorsement shares the GL or BOP limit. [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Ask TechInsurance whether its form carries any AI exclusion. [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - StartupInsurance.ai's placements are arranged by ContractorNerd Insurance Services, LLC as broker of record; ask which carrier would issue your policy and its limit. [3](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - TechInsurance's D&O is claims-made, so check the retroactive date before switching. [4](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ## StartupInsurance.ai vs TechInsurance D&O Insurance Compared | Criteria | StartupInsurance.ai Directors & Officers (D&O) Insurance | TechInsurance Directors and Officers Insurance (D&O) | | --- | --- | --- | | Who It’s For | StartupInsurance.ai frames D&O as coverage founders typically need once an investor's term sheet requires it, positioning the line for venture-backed startups with a board rather than pre-revenue companies with no outside investors. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage narrative example; not a stated underwriting eligibility rule (e.g., minimum funding stage or headcount)..) | 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 | StartupInsurance.ai says one major carrier added a blanket AI exclusion to D&O (along with E&O and fiduciary forms), typically arriving at renewal inside an endorsement, and that it reviews policies for this exclusion as part of its free check. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed D&O policy carries this specific endorsement..) | 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 | StartupInsurance.ai lists directors and officers coverage among the lines its startup program places, and its homepage cites an investor's term-sheet request for D&O as a typical reason a founder comes to it. ContractorNerd Insurance Services, LLC arranges the placement as agent/broker of record rather than underwriting it. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Homepage coverage list and "the problem" narrative, plus ContractorNerd's terms and conditions on its producer role; does not describe a specific D&O policy's terms..) | 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 StartupInsurance.ai and TechInsurance and D&O Insurance - [StartupInsurance.ai company profile](https://spot.insure/insurance-providers/startupinsurance) · [StartupInsurance.ai customer reviews](https://spot.insure/insurance-providers/startupinsurance/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 StartupInsurance.ai vs TechInsurance D&O Insurance - [StartupInsurance.ai vs TechInsurance](https://spot.insure/compare/startupinsurance-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. - [StartupInsurance.ai D&O Insurance](https://spot.insure/insurance-providers/startupinsurance/directors-officers) - [TechInsurance D&O Insurance](https://spot.insure/insurance-providers/techinsurance/directors-officers) ## Sources for StartupInsurance.ai vs TechInsurance D&O Insurance ### Sources About StartupInsurance.ai 1. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; The problem (“An investor's term sheet asked for D&O”); Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23. 2. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Directors & Officers (D&O) — “Protects your board and executives from lawsuits”. Accessed 2026-09-23. 3. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”; Section 2.A, Broker/Agent of Record. 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/startupinsurance-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)