D&O insurance pricing depends primarily on company size, industry, capital structure, prior claims history, and whether the business has outside investors.
Typical small to mid-size business D&O pricing:
- Small private company (under $5M revenue): $500–$3,000/year for $1M coverage.
- Established private company ($5M–$50M): $2,500–$10,000/year.
- Pre-IPO or larger: $10,000+/year, often substantially more for securities coverage.
- Nonprofit: Generally lower than for-profit equivalents at the small-org level.
RMO BizD&O monthly pricing:
- BizD&O I: $45/month — startups and small businesses.
- BizD&O II: $85/month — growing companies, advisory boards, includes EPLI.
- BizD&O III: $150/month — established companies, full Side A/B/C.
- BizD&O IV: $250/month — large enterprises and pre-IPO with securities coverage.
Premiums are typically lower for businesses with strong governance practices, clean claims history, and a financially sound balance sheet.