Coverage line
Directors & Officers
An investor or regulator sues you personally over how you ran the company. This protects your own money, not just the company's.
Built for moments like these.
After a down round, an early investor sues the board over the pipeline story.
Covered — Investor suit, personal
A regulator opens an inquiry into your AI capability claims. Leadership needs counsel.
Covered — Regulator attention
The classic mix-up
A customer sues because your product failed them.
Not this policy
→ Professional Liability (Tech E&O) answers this oneEasy to confuse. Here’s the line between them.
Directors & Officers
You, personally.
This page
When to buy
At or before your first priced round; term sheets usually require it.
Typical ask: $1M–$3M for venture-backed companies. Your broker confirms yours.
Who requires it
Term sheets and incoming board members.
How hard to get
Easy to get
Quick for venture-backed companies with a clean story.
Common questions
When should a startup buy D&O insurance?
At or before the first priced round is the norm. Term sheets frequently require it as a closing condition, and incoming board members expect it before they take the seat.
Does D&O protect founders personally?
That is its purpose. When a suit names directors or officers personally over decisions made running the company, the policy funds their defense and covered losses instead of their personal assets.
Why does D&O matter more for an AI company?
Claims about what your AI can do are statements to investors and customers, and overstated capability claims are an active area for suits and regulator attention. D&O is the line that responds when leadership is named over those statements.
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This page describes a line of coverage in general terms. It is not an offer of insurance and not evidence of coverage. Carrier appetite, policy wording, licensing, and availability govern every quote and every claim.