Directors & Officers Insurance Calculator
Estimate D&O premium for a company board.
Estimate a Directors & Officers insurance premium from revenue, coverage limit, and an industry risk factor. Shows annual d&o premium from the values you enter.
What this tool does
Enter annual revenue, coverage limit, and risk factor. The tool estimates annual D&O premium.
Enter Values
Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
Directors & Officers insurance protects company leaders from personal liability in lawsuits brought against them. Premiums scale with company revenue, coverage limit, and industry risk. A small private company with 5m revenue might pay 2,000-8,000 for 1m of cover. Public companies pay multiples of that because of securities-litigation exposure. The working model here is 0.2% of revenue for 1m cover at medium risk — a starting point for broker conversations.
Corporate insurance estimator.
Run it with sensible defaults
Using annual revenue of 5,000,000, coverage limit of 1,000,000, risk factor of 1, the calculation works out to 10,000.00. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.
The levers in this calculation
The inputs — Annual Revenue, Coverage Limit, and Risk Factor — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.
How the math works
0.2% of revenue as baseline for 1m cover at medium risk. Scale linearly by coverage and risk factor. Modelling estimator only. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".
Using this as a check-in
Re-run this every three months. A single reading tells you where you stand; four readings tell you whether things are improving. The trend matters more than any individual snapshot.
What this doesn't capture
The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.
D&O premium produces an estimate based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
0.2% of revenue as baseline for 1m cover at medium risk. Scale linearly by coverage and risk factor. Modelling estimator only.
References
Frequently Asked Questions
Who needs D&O cover?
What does it cover?
Does small-company cover cost the same?
Public vs private?
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