Chubb is a leading global D&O carrier serving everything from venture-backed startups to large public companies. RMO BizDirector serves small to mid-market private companies with member-rate pricing. Here’s how they compare.
Both write real D&O. Chubb specializes in mid-market and enterprise complexity; RMO targets private SMB at member pricing.
D&O exposure differs greatly between private, venture-backed, pre-IPO, and public companies. Match coverage to your actual lifecycle stage.
RMO BizDirector vs. Chubb on segment, capacity, and pricing model.
| Feature | RMO BizDirector D&O Insurance | Chubb |
|---|---|---|
| Target segment | Private SMB and lower mid-market | Private SMB through large public company |
| Side A coverage | Yes — non-indemnifiable loss to insured persons | Yes |
| Side B coverage | Yes — reimbursement to entity for indemnification | Yes |
| Side C / entity coverage | Yes — private-company entity coverage | Yes — including public-company securities coverage |
| EPLI endorsement | Available | Available |
| Fiduciary endorsement | Available | Available |
| IPO & public-company D&O | Not the focus | Yes — substantial market |
| Excess capacity | SMB-appropriate | Builds into very large excess towers |
| Member-rate pricing | Yes — active RMO members | No membership pricing |
| Bundles with broader P&C | Yes — via RMO membership | Yes — multi-line discount |
Comparison details summarized for context. D&O terms, retention, and exclusions vary by carrier, state, entity type, and policy form. Read the actual policy.
Chubb is the right choice for venture-backed, pre-IPO, or public companies and for mid-market complexity. RMO BizDirector is the right choice for private SMBs wanting member-rate pricing on standard private-company D&O.
Provide entity info, financials, board composition, and any prior claim history.
Underwriting reviews structure and risk; we issue a binder with limits, retention, and exclusions.
Pay first premium; coverage starts on the effective date. Add EPLI or fiduciary endorsements if needed.
Venture-backed startups planning to raise more institutional capital or eventually IPO are usually better off with a carrier that handles that lifecycle (Chubb, AIG, or specialty markets). RMO BizDirector fits private companies without an IPO trajectory.
EPLI is available as an endorsement to BizDirector or as a standalone EPLI product. Discuss your headcount, jurisdiction, and HR practices with an RMO Insurance specialist.
Side A covers loss that the entity cannot indemnify (insolvency, derivative settlements, etc.). It protects directors and officers personally when the company can’t. Included in BizDirector standard form.
Prior claims and circumstances need to be disclosed and underwritten. Both RMO and Chubb evaluate prior-claim history; underwriting outcome depends on facts and current posture.
Yes — BizDirector bundles with BizProperty, BOP, BizAuto, and BizCyber through one RMO membership for stacked discounts.
Guides, plans, and more RMO comparisons to help you decide with confidence.
D&O coverage protecting board members and executives from management-decision claims, with member-rate pricing on qualifying businesses.
