Quoted Embroker D&O insurance and looking at alternatives? Here’s an honest comparison of RMO BizD&O vs. Embroker — on coverage, channels, and which fits which kind of company.
How RMO BizD&O and Embroker compare on coverage, channels, and member benefits.
| Feature | RMO BizD&O | Embroker |
|---|---|---|
| Channel | Direct through RMO BizMembership | Online digital broker / managing general agent platform |
| Plan Tiers | BizD&O I, II, III, IV | Quote-by-quote underwriting; not fixed tiers |
| Coverage Limits | Up to $10M (BizD&O IV) | Typically $1M–$10M+ depending on underwriting and program |
| Side A (Personal Asset Protection) | Included from BizD&O I | Included |
| Side B (Company Reimbursement) | Included from BizD&O II | Included |
| Side C (Entity Coverage / Securities) | Included from BizD&O III | Included for public / pre-IPO companies |
| EPL Included | From BizD&O II | Bundled in Embroker Startup Package |
| Fiduciary Liability | Add-on from BizD&O II | Add-on / endorsement |
| Pre-IPO / M&A Transaction Coverage | Included at BizD&O IV | Strong — Embroker specialty for venture-backed startups |
| Defense Cost Coverage | Included from BizD&O I | Included |
| Crisis Management Fund | Included from BizD&O III | Available with broader bundles |
| Bundle with Tech E&O / Cyber | RMO bundles BizD&O with BizCyber separately under one membership | Embroker Startup Package combines D&O, EPLI, Tech E&O, Cyber |
| Quoting Speed | Through BizMembership process | Online instant-quote in many cases |
| Member Pricing on Other Products | Yes — banking, treasury, business protection, more | Not applicable |
| Membership Required | Yes — RMO BizMembership (I/II/III by tier) | No membership needed |
Coverage details summarized for comparison. Specific covered events, sublimits, exclusions, retentions, and pricing vary by underwriting and quote.
Coverage scope expands across BizD&O tiers from personal asset protection up to full Side A/B/C coverage with $10M limits.
Requires BizMembership I
Requires BizMembership I
Requires BizMembership II
Requires BizMembership III
Prices reflect current monthly rate cards and do not include the cost of BizMembership. Final premium may be adjusted based on your business profile, industry, and exposure.
Both providers cover real ground. They serve different SMB profiles.
Join RMO BizMembership to access BizD&O and other business member benefits. Higher BizD&O tiers require BizMembership II or III.
Pick the tier that matches your coverage scope, and request a quote based on your industry, revenue, and exposure.
Once your BizD&O policy is bound with an effective date, work through Embroker to cancel the prior policy for that date. They typically issue a prorated refund.
Embroker is a digital-first insurance broker and managing general agent focused on startups and tech companies. They offer streamlined online D&O quoting that pulls in venture-backed company data and bundle D&O with EPLI, fiduciary, and tech E&O. RMO BizD&O is a tier-based D&O product designed to bundle with broader RMO BizMembership benefits.
BizD&O I includes Side A personal asset protection and defense cost coverage. BizD&O II adds Side A and B coverage with EPLI included. BizD&O III provides full Side A, B, and C coverage with securities defense. BizD&O IV is the highest tier with maximum D&O limits up to $10M, including pre-IPO and M&A transaction coverage.
BizD&O IV covers pre-IPO and M&A transactions and offers up to $10M in limits, which can be appropriate for many startups. However, Embroker has built deep integrations and underwriting expertise specifically for the venture-backed startup ecosystem — if you’re a Series B+ tech startup with significant exposure, Embroker’s specialization may be a better fit.
Embroker quotes are obtained through their online platform — they pull in company data and provide an instant quote in many cases. RMO BizD&O is available directly through BizMembership; the higher tiers (III and IV) require BizMembership II or III respectively.
Embroker’s Startup Package bundles D&O with Tech E&O. RMO BizD&O is a standalone D&O product. If you need Tech E&O, the Embroker bundle may be more efficient; if you have it elsewhere or don’t need it, BizD&O’s pricing on D&O alone is competitive.
RMO BizD&O IV maxes at $10M. If your exposure (board composition, public-company status, mid-market revenue) requires higher limits, work with a specialty broker — Embroker can place programs at higher limits, as can other specialty markets.
Become an RMO Business Member and access BizD&O along with banking, treasury, and the rest of your member benefits.
