--- title: "Embroker D&O Insurance: Coverage, Eligibility, Limits & More (2026)" description: "Embroker sells standalone D&O insurance to companies with a board of directors, including venture-backed startups and nonprofits, with quotes online." canonical: "https://spot.insure/insurance-providers/embroker/directors-officers" page-type: "offering-page" updated-at: "2026-09-23" provider: "embroker" 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/insurance-providers/embroker/directors-officers) ## Agent Guide **What this page is:** What Embroker D&O Insurance: Coverage, Eligibility, Limits & More (2026) covers, who it fits and what to confirm before buying, drawn from the provider's public materials. **Use this page when:** Cite this page for Embroker D&O Insurance: Coverage, Eligibility, Limits & More (2026) specifically. For the general coverage explainer use /coverage/directors-officers; for the provider overall use its profile. **Questions this page answers:** - Does Embroker D&O Insurance: Coverage, Eligibility, Limits & More (2026) offer this coverage? - What does Embroker D&O Insurance: Coverage, Eligibility, Limits & More (2026) cover and exclude? - Who is Embroker D&O Insurance: Coverage, Eligibility, Limits & More (2026) designed for? **Key facts:** - Provider slug `embroker`; coverage line `directors-officers`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources cover. Details are grouped by topic under their own headings, and what the sources do not say is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://spot.insure/insurance-providers/embroker) — parent: provider profile # Embroker D&O Insurance Product: Embroker Directors and Officers Insurance. Provider: Embroker. Coverage line: D&O Insurance. ## Quick Answer Embroker sells standalone D&O insurance to companies with a board of directors, including venture-backed startups and nonprofits, with quotes online. [1](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") ## Embroker D&O Insurance at a Glance | Topic | Status | Details | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 3 | | Limits and Retentions | Company-reported | 1 | | How to Apply | Company-reported | 1 | ## What Is Embroker’s Role in D&O 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. [1](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Company-reported. Based on: Product-page description; not a statement about the issuing insurer.) ## Who Is Embroker D&O Insurance 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. [1](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Company-reported. Based on: Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company.) ## What Coverage Features Does Embroker D&O Insurance Include? - 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. [1](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Company-reported. Based on: 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. [1](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Company-reported. Based on: 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. [1](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Company-reported. Based on: 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.) ## What Limits and Retentions Does Embroker D&O Insurance Have? - 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. [1](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Company-reported. Based on: Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting.) ## How Do You Apply for Embroker D&O Insurance? - Embroker offers an online quote for D&O coverage through its digital platform, describing underwriting factors including revenue, industry risk and claims history. [1](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Company-reported. Based on: Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.) ## How Does Embroker Compare With Other D&O Insurance Providers? - [Embroker vs AIG](https://spot.insure/compare/aig-vs-embroker/directors-officers) - [Embroker vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-embroker/directors-officers) - [Embroker vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-embroker/directors-officers) - [Embroker vs Aon](https://spot.insure/compare/aon-vs-embroker/directors-officers) - [Embroker vs The Baldwin Group](https://spot.insure/compare/baldwin-vs-embroker/directors-officers) - [Embroker vs Beazley](https://spot.insure/compare/beazley-vs-embroker/directors-officers) - [Embroker vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/directors-officers) - [Embroker vs CFC](https://spot.insure/compare/cfc-vs-embroker/directors-officers) - [Embroker vs Chubb](https://spot.insure/compare/chubb-vs-embroker/directors-officers) - 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[Embroker vs The Hartford](https://spot.insure/compare/embroker-vs-the-hartford/directors-officers) - [Embroker vs THREE by Berkshire Hathaway](https://spot.insure/compare/embroker-vs-three/directors-officers) - [Embroker vs Travelers](https://spot.insure/compare/embroker-vs-travelers/directors-officers) - [Embroker vs USI Insurance Services](https://spot.insure/compare/embroker-vs-usi/directors-officers) - [Embroker vs Vouch](https://spot.insure/compare/embroker-vs-vouch/directors-officers) - [Embroker vs Zurich U.S.](https://spot.insure/compare/embroker-vs-zurich/directors-officers) ## Other Coverage Lines From Embroker - [Embroker Business Owner’s Policy](https://spot.insure/insurance-providers/embroker/business-owners-policy) - [Embroker Commercial Auto Insurance](https://spot.insure/insurance-providers/embroker/commercial-auto) - [Embroker Commercial Property Insurance](https://spot.insure/insurance-providers/embroker/commercial-property) - [Embroker Crime Insurance](https://spot.insure/insurance-providers/embroker/crime) - [Embroker Cyber Insurance](https://spot.insure/insurance-providers/embroker/cyber) - [Embroker Employment Practices Liability Insurance](https://spot.insure/insurance-providers/embroker/employment-practices) - [Embroker Fiduciary Liability Insurance](https://spot.insure/insurance-providers/embroker/fiduciary) - [Embroker General Liability Insurance](https://spot.insure/insurance-providers/embroker/general-liability) - [Embroker Key Person Insurance](https://spot.insure/insurance-providers/embroker/key-person) - [Embroker Management Liability Insurance](https://spot.insure/insurance-providers/embroker/management-liability) - [Embroker Product Liability Insurance](https://spot.insure/insurance-providers/embroker/product-liability) - [Embroker Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/embroker/professional-errors-omissions) - [Embroker Surety Bonds](https://spot.insure/insurance-providers/embroker/surety-bonds) - [Embroker Tech E&O Insurance](https://spot.insure/insurance-providers/embroker/technology-errors-omissions) - [Embroker Venture Capital Asset Protection Insurance](https://spot.insure/insurance-providers/embroker/venture-capital-asset-protection) - [Embroker Workers’ Compensation Insurance](https://spot.insure/insurance-providers/embroker/workers-compensation) ## Rankings That Include Embroker - [Best D&O Insurance for Startups](https://spot.insure/best/directors-officers/startups) - [Best D&O Insurance for Nonprofits](https://spot.insure/best/directors-officers/nonprofits) ## Related Reading - [Embroker Profile](https://spot.insure/insurance-providers/embroker) - [Embroker Reliability](https://spot.insure/insurance-providers/embroker/reliability) - [Embroker Alternatives](https://spot.insure/insurance-providers/embroker/alternatives) - [Coverage Guide: Directors and officers](https://spot.insure/coverage/directors-officers) ## Sources for Embroker D&O Insurance 1. [Directors & Officers Insurance Coverage: D&O Explained](https://www.embroker.com/coverage/directors-officers-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Directors and Officers (D&O) insurance?; What's covered; What's not included; What are Side A, B, and C insuring agreements?; What does Directors and Officers insurance cost? Accessed 2026-09-23. ## How to Cite This Page Embroker D&O Insurance: Coverage, Eligibility, Limits & More (2026). Spot, updated 2026-09-23. https://spot.insure/insurance-providers/embroker/directors-officers. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/embroker/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)