Travelers is a leading US D&O carrier with broad public and private company appetite. RMO BizDirector serves private SMB D&O at member-rate pricing. Here’s how they compare.
Both write real D&O coverage. Travelers handles a wider segment including public companies; RMO focuses on private SMBs.
D&O exposure differs greatly between private, venture-backed, pre-IPO, and public companies. Match the carrier to your lifecycle stage.
RMO BizDirector vs. Travelers on segment, distribution, and pricing.
| Feature | RMO BizDirector D&O Insurance | Travelers |
|---|---|---|
| Target segment | Private SMB and lower mid-market | Private SMB through large public company |
| Side A / B / C coverage | Yes (private-company entity) | Yes (including public-company securities Side C) |
| Distribution | Direct to RMO members | Independent and captive agent network |
| EPLI endorsement | Available | Available |
| Fiduciary endorsement | Available | Available |
| Public-company D&O | Not the focus | Yes — substantial appetite |
| Excess capacity | SMB-appropriate | Builds into very large excess towers |
| Member-rate pricing | Yes | Standard market |
| Bundles with broader P&C | Yes — via RMO | Yes — Travelers multi-line |
| Risk-control consulting | Standard SMB | Mature risk-control consulting available |
Comparison details summarized for context. D&O terms, retention, and exclusions vary by carrier, state, entity type, and policy form. Read the actual policy.
Travelers brings major-carrier scale and broad D&O appetite including public companies. RMO BizDirector offers comparable private-company D&O at member-rate pricing direct.
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 on a path to IPO are typically better off with carriers that handle the full lifecycle (Travelers, Chubb, AIG, or specialty markets). RMO BizDirector fits private companies without a near-term IPO trajectory.
EPLI is available as an endorsement to BizDirector or as a standalone EPLI product.
Side C covers the entity for securities-related claims (relevant for public companies). Private companies typically have entity coverage for non-securities claims.
Yes — BizDirector bundles with BizProperty, BOP, BizAuto, BizCyber under one membership for stacked discounts.
Prior claims need disclosure and underwriting review. Both RMO and Travelers evaluate prior-claim history; outcome depends on facts and current risk posture.
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.
