TechInsurance vs Travelers D&O Insurance

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. ³Company-reported. D&O product page.

Travelers underwrites D&O liability insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. ⁷Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page.

The reviewed page does not name the issuing insurer for a D&O policy. ³Not publicly disclosed. D&O product page as read on 2026-09-23.

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. ⁷Company-reported. Product page video legal footer.

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. ³Company-reported. D&O product page, Who needs D&O insurance coverage? section.

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. ⁷Company-reported. Product page "Who is D&O liability insurance right for?" section and nonprofit D&O video segment.

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). ³Company-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. ³Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.

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. ⁷Company-reported. Product page introduction and "Travelers knows Directors & Officers Liability Insurance" section; exact terms and exclusions are set by the issued 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. ³Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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. ⁷Not found in reviewed sources. Product page video claim scenarios as read on 2026-09-23.

Not described in the reviewed sources.

D&O coverage is bought through a Travelers independent agent. ⁷Company-reported. Product page "Find an insurance agent" call to action.