Directors Officers Insurance Cost Calculator

D&O insurance protects leadership. This calculator sizes premium.

Coverage limit

Deductible

Company revenue

Sector factor

Public/private factor

Premium estimate

$28,519

Rate on limit %

0.285%

Deductible credit

$12,500

How the math works

Premium = limit × 0.30% × sector × public factor × revenue factor, minus deductible credit.

D&O premiums swing 2-4x based on sector. Real estate and industrial companies are among the lowest-rated sectors for D&O. Companies in adjacent sectors (fintech, cannabis, pharma) often can't understand why their D&O premium is 3x a similarly-sized RE firm — different risk profile, different pricing model.

How to Use

Enter coverage limit.
Enter deductible.
Enter company revenue.
Enter sector risk factor.
Enter public/private factor.
Read premium estimate.

Frequently Asked Questions

Coverage areas?

Side A: protects individual directors when company can't indemnify. Side B: reimburses company for indemnified officers. Side C: entity cover for securities claims (public companies). Each has separate limits and deductibles.

Typical premium?

Private/small: $2,500-15,000 for $5M limit. Mid-size: $15-75k. Pre-IPO: $50-200k. Public companies: $100k-$5M+. Biggest driver: sector (fintech/pharma/cannabis high; industrial/RE moderate).

Pricing factors?

Industry risk (fintech, pharma, cyber = high). Revenue size. Public vs private. Prior claims. Governance quality. Securities-class-action exposure. M&A activity. Each can shift premium 50-300%.

How does this affect my portfolio-level metrics?

Single-asset impact rarely matters in isolation for a portfolio of 20+ assets, but systematic patterns do. If the same issue shows up across 10% of your portfolio, the aggregate impact is meaningful. Track this metric at the portfolio level quarterly. Institutional operators aggregate these monthly into a KPI dashboard for investors and lenders.