--- title: "Risklytics D&O Insurance" description: "What Risklytics D&O Insurance covers, who it’s for, and its limits and retentions, cited to Risklytics’s own published sources." canonical: "https://spot.insure/insurance-providers/risklytics/directors-officers" page-type: "offering-page" updated-at: "2026-09-23" --- 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/risklytics/directors-officers) # Risklytics D&O Insurance Risklytics Directors & Officers 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. [2](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line.) ## Issuing Insurer - 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. [1](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [2](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line.) ## Who It’s For - 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. [1](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page.) ## Coverage Features - 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. [1](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage.) ## Limits and Retentions - Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. [1](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy.) ## Risk Services - Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. [1](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page.) ## How to Apply - 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. [2](https://www.risklytics.ai/about/ "About Risklytics: who we are") [3](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form.) ## Risklytics D&O Insurance Compared - [Risklytics vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-risklytics/directors-officers) - [Risklytics vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-risklytics/directors-officers) - [Risklytics vs Beazley](https://spot.insure/compare/beazley-vs-risklytics/directors-officers) - [Risklytics vs CFC](https://spot.insure/compare/cfc-vs-risklytics/directors-officers) - [Risklytics vs Chubb](https://spot.insure/compare/chubb-vs-risklytics/directors-officers) - [Risklytics vs Coalition](https://spot.insure/compare/coalition-vs-risklytics/directors-officers) ## Other Risklytics Coverage Lines - [Risklytics Commercial Property Insurance](https://spot.insure/insurance-providers/risklytics/commercial-property) - [Risklytics Cyber Insurance](https://spot.insure/insurance-providers/risklytics/cyber) - [Risklytics General Liability Insurance](https://spot.insure/insurance-providers/risklytics/general-liability) - [Risklytics Inland Marine Insurance](https://spot.insure/insurance-providers/risklytics/inland-marine) - [Risklytics Intellectual Property Insurance](https://spot.insure/insurance-providers/risklytics/intellectual-property) - [Risklytics Tech E&O Insurance](https://spot.insure/insurance-providers/risklytics/technology-errors-omissions) - [Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/risklytics/umbrella-excess) - [Risklytics Workers’ Compensation Insurance](https://spot.insure/insurance-providers/risklytics/workers-compensation) ## Related - [Risklytics Profile](https://spot.insure/insurance-providers/risklytics) - [Risklytics Reliability](https://spot.insure/insurance-providers/risklytics/reliability) - [Risklytics Alternatives](https://spot.insure/insurance-providers/risklytics/alternatives) - [Coverage Guide: Directors and officers](https://spot.insure/coverage/directors-officers) ## Sources 1. [Directors & Officers Insurance](https://www.risklytics.ai/lines/management/). Risklytics; Coverage line: Directors & Officers; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23. 2. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23. 3. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23. 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/risklytics/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)