Compare Directors and Officers Insurance Quotes

Compare directors and officers insurance quotes with Spot

Spot puts each D&O proposal’s individual, reimbursement and company protection next to each other so your board knows what it’s buying.

Compare quotes from 40+ directors and officers insurance providers

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Individual, reimbursement and company protection shown separately
Defense costs and retentions read the same way across quotes
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A board chair stands at the end of a boardroom table speaking to two seated directors.

How it works

Bring the quotes and your questions

Send the D&O proposals along with anything your board or investors asked for, so your Spot team knows what the comparison needs to answer.

Orbit SoftwareOrganized by Spot

We map who each quote protects

Spot sorts every proposal into protection for individual leaders, reimbursement for the company when it pays on their behalf, and claims against the company itself.

Directors and officers insurance

Orbit Software · Policy review

Policy wording: Coverage limits
Compare with: Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Walk through the exclusions together

Ask in your shared channel how each quote treats earlier disputes, renewal changes and the claims it leaves out. Your Spot team takes open points to the broker.

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Let’s prepare the information for your broker and compare the terms, not just the price.

Choose and bind

Pick the quote your board is comfortable with. Your Spot team helps you bind it and keeps proof of coverage ready for investors who ask.

Insurance documents

Quote comparison

Directors and officers insurance

Coverage limits · Policy terms

Orbit Software

What to compare

01
Protection for individual leaders
What the policy pays for a director or officer when the company can’t or doesn’t pay on their behalf.
02
Reimbursement to the company
What the company recovers when it indemnifies a leader. This is a different grant from the one above.
03
Entity coverage
Protection for the company itself. A grant limited to securities claims is narrower than one for other alleged company wrongful acts.
04
Defense costs and the limit
Whether legal bills reduce the amount left for a settlement or judgment.
05
Retention
What the company pays before the policy responds, and whether it varies by type of claim.
06
Timing of claims and notices
When a claim must be made and reported, and how earlier disputes or notices affect a new or renewal policy.
07
Exclusions and renewal changes
Which management claims fall outside each proposal, and what changed from your current policy.

Differences to watch for

01
Entity coverage that is securities-only
A quote can say the company is covered and still limit that to a narrow type of claim. Ask what the grant actually reaches.
02
Shared defense and settlement money
If legal bills draw on the same limit as a settlement, a long defense leaves less to pay it.
03
Prior disputes
Earlier notices and known circumstances can keep a new policy from responding to a related claim. Read this section line by line.
04
Employment and fiduciary claims
D&O doesn’t take over employment practices or benefit-plan claims. See whether the quote includes them or leaves them to separate policies.