--- title: "StartupInsurance.ai D&O Insurance" description: "What StartupInsurance.ai D&O Insurance covers, who it’s for, and how to apply, cited to public sources." canonical: "https://spot.insure/insurance-providers/startupinsurance/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/startupinsurance/directors-officers) # 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](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: 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. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Scope: Homepage 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. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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. [1](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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." [2](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: 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 - [StartupInsurance.ai vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-startupinsurance/directors-officers) - [StartupInsurance.ai vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-startupinsurance/directors-officers) - [StartupInsurance.ai vs Beazley](https://spot.insure/compare/beazley-vs-startupinsurance/directors-officers) - [StartupInsurance.ai vs CFC](https://spot.insure/compare/cfc-vs-startupinsurance/directors-officers) - [StartupInsurance.ai vs Chubb](https://spot.insure/compare/chubb-vs-startupinsurance/directors-officers) - [StartupInsurance.ai vs Coalition](https://spot.insure/compare/coalition-vs-startupinsurance/directors-officers) ## Other StartupInsurance.ai Coverage Lines - [StartupInsurance.ai Builders Risk Insurance](https://spot.insure/insurance-providers/startupinsurance/builders-risk) - [StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/insurance-providers/startupinsurance/commercial-auto) - [StartupInsurance.ai Commercial Property Insurance](https://spot.insure/insurance-providers/startupinsurance/commercial-property) - [StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/insurance-providers/startupinsurance/fiduciary) - [StartupInsurance.ai General Liability Insurance](https://spot.insure/insurance-providers/startupinsurance/general-liability) - [StartupInsurance.ai Inland Marine Insurance](https://spot.insure/insurance-providers/startupinsurance/inland-marine) - [StartupInsurance.ai Product Liability Insurance](https://spot.insure/insurance-providers/startupinsurance/product-liability) - [StartupInsurance.ai Surety Bonds](https://spot.insure/insurance-providers/startupinsurance/surety-bonds) - [StartupInsurance.ai Tech E&O Insurance](https://spot.insure/insurance-providers/startupinsurance/technology-errors-omissions) ## Related - [StartupInsurance.ai Profile](https://spot.insure/insurance-providers/startupinsurance) - [StartupInsurance.ai Reliability](https://spot.insure/insurance-providers/startupinsurance/reliability) - [StartupInsurance.ai Alternatives](https://spot.insure/insurance-providers/startupinsurance/alternatives) - [Coverage Guide: Directors and officers](https://spot.insure/coverage/directors-officers) ## Sources 1. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). 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. 2. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Directors & Officers (D&O) — “Protects your board and executives from lawsuits”. Accessed 2026-09-23. 3. [Terms and Conditions](https://www.contractornerd.com/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. Updated 2026-09-23. 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