StartupInsurance.ai D&O Insurance
StartupInsurance.ai Directors & Officers (D&O) Insurance
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. 1,3Company-reported. 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.
Issuing Insurer
Not publicly disclosed. The homepage's carrier panel names insurers with D&O capacity, such as Chubb (shown as A++ Admitted) and Coalition (shown as A- Surplus), but does not state that either one specifically underwrites D&O placements; the issuing insurer varies by placement. 1Homepage carrier panel and ratings card; the panel is program-wide, not broken out by coverage line.
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. 1Company-reported. Homepage narrative example; not a stated underwriting eligibility rule (e.g., minimum funding stage or headcount).
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. 1Company-reported. 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.
Risk Services
StartupInsurance.ai's free policy check reviews an existing program for AI exclusions and contract gaps within 48 hours, and the homepage specifically calls out D&O as one of the forms affected by the AI-exclusion trend it checks for. 1Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's D&O policy.
How to Apply
Directors & Officers (D&O) is the first coverage box on StartupInsurance.ai's online quote-intake screen, described there as coverage that "protects your board and executives from lawsuits." 2Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line.
StartupInsurance.ai D&O Insurance Compared
Other StartupInsurance.ai Coverage Lines
Sources
- Startup Insurance | Coverage that clears the review. 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.
- Apply for Startup Insurance | StartupInsurance.ai. StartupInsurance.ai; Coverage-selection screen: Directors & Officers (D&O) — “Protects your board and executives from lawsuits”. Accessed 2026-09-23.
- 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.
