Embroker D&O Insurance

Embroker Directors and Officers Insurance

Embroker sells D&O as a standalone policy and offers to package it with cyber and workers' compensation; it also says EPLI, D&O and related coverages are sometimes bundled into a management liability program. ¹Company-reported. Product-page description; not a statement about the issuing insurer.

Who It’s For

Embroker markets D&O to any private or public company with a board of directors, startups that have received or are about to receive venture capital funding, and nonprofit corporations, saying VC and private equity investors commonly require it before funding. ¹Company-reported. Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company.

Coverage Features

Embroker lists coverage for misuse of company funds, misrepresentation of company assets, breach of fiduciary duty, failure to comply with workplace laws and lack of corporate governance. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes lawsuits between members of the same company, criminal or deliberately fraudulent activity, prior-knowledge claims, and claims against directors actively engaged in antitrust violations. ¹Company-reported. Product-page What's not included section.

Embroker structures its D&O policy with three insuring agreements: Side A covers individual directors and officers when the company cannot indemnify them, Side B reimburses the company for indemnifying its leaders, and Side C covers the company itself when it is sued for financial mismanagement. ¹Company-reported. Product-page 'What are Side A, B, and C insuring agreements?' section; specific policy structure, not a claim about every insurer's D&O form.

Limits and Retentions

For its startup package, Embroker publishes illustrative D&O/EPLI/fiduciary limit and retention ranges by funding stage, from roughly $1-2 million in limits with a $10-25k retention for companies raising up to $10 million, up to $8-10 million in limits with a $25-75k retention for companies raising $100-250 million. ¹Company-reported. Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting.

How to Apply

Embroker offers an online quote for D&O coverage through its digital platform, describing underwriting factors including revenue, industry risk and claims history. ¹Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.