Janardhan NA recent breach of 16 billion login credentials underscores the importance of cybersecurity and the need for robust insurance to protect against such attacks.
It is alarming how the personal liability exposure of directors and key decision-makers is at risk.
Today, cyber threats are becoming increasingly complex, threatening $10.5 trillion to the global economy. Balbix quoted, “If you can’t afford security, you can’t afford a breach.”
Considering this, a cost-effective Directors and Officers (D&O) Liability Cyber Insurance has surely become essential.
But which providers truly offer the right coverage? Which ones go beyond paperwork to support executives in real cyber events or board-level disputes?
To simplify this, we have compiled a list of the top D&O Insurance Providers for all industry sectors and sizes.
Look at our top recommendation — [Mitigata] and save time! Get full cyberattack coverage, quick response time, round-the-clock assistance, and executive-level risk advisory.
Securing D&O coverage at any point can help businesses, whether they are–
- Early-stage startups seeking funding
- scaling organisations, navigating growth and compliance
- mature corporations involved in global operations, protecting leadership, and maintaining long-term resilience
Concerning the rise of cyber attacks in India: What can business owners do to protect their databases?
Definitive Guide to the Top 10 D&O Insurance Providers of 2025
1. Mitigata
If you are a high-growth business or tech-first company, Mitigata’s D&O insurance should be your top priority. Understanding the complexities of corporate governance, Mitigata secures against legal liabilities and sensitive data loss.
Primary Features
- Dedicated Crisis Management and Legal Advisory Team
- Real-time alerts for incidents impacting executives
- Full integration with Cyber Risk Assessment and Brand Monitoring tools
- Customizable policies for C-Suite, Board of Directors, Founders, and Advisors
- D & O Liability Insurance with built-in cyber breach cover
With an active client base in 15+ countries, Mitigata is known for its global reach. Become a part of an expanded serviceable reach across APAC, MENA, and EU.
Added offerings:
- Public Relations Management (reputation protection post-incident)
- VC-Backed Startup Protection rider
- Insider risk tracking via the Mitigata Console
- Executive wellness & phishing simulation bundles
Expertise in:
- 24/7 breach support for board-level reputational risks
- Seamless onboarding for both SMEs and large corporations
- Specializing in tech, fintech, healthcare, and D2C startups
- Offering consulting + insurance
- Making risk mitigation part of the package
If you’re looking for a provider that understands both cyber and management threats, Mitigata is your answer.
We don’t just sell a policy; we help you avoid needing it with top-notch risk assessment. Ideal for modern, digital-first businesses that want more than just paper protection.
Mitgata's D&O Liability Insurance Starts at ₹10,000/Yr*
2. AIG (American International Group)
As a Publicly Listed MNC, going for AIG can be another good option for you. AIG is considered ideal for complex corporate structures covering private and non-profit organizations, D&O Liability.
Primary Features:
- Broad D&O coverage for multinational operations
- Specific protection for Securities Class Action lawsuits
- Covers directors against investor claims, employee actions, and regulatory probes
- Worldwide coverage with localized legal support
Global presence across 80+ countries, notably in North America, Europe, and Australia.
Are Mitigata’s D&O Insurance and PII the same? Learn the difference now!
3. Chubb
If you are a Publicly Listed MNC, then Chubb is another effective way to secure your database. Trusted by Fortune 500 companies, Chubb is the best fit for established companies with global exposure.
Primary Features:
- D&O coverage bundled with Crime and Fiduciary Liability
- Cyber liability for executives handling sensitive digital operations
- Automatic coverage for new directors and subsidiaries
Chubb leaves a strong footprint in North America and across 40+ countries globally.
4. Zurich
Zurich is a worldwide recognised insurer known for its financial strength, global reach, and customised insurance products. Their D&O insurance covers the evolving risks that business leaders face in today’s complex regulatory and corporate structure.
Primary Features:
- Broad definition of security and privacy events
- Cover for pre-claim events and internal investigations
- Explicit mitigation cost coverage
- Protection for Insured Persons through specific extensions
Zurich is proclaimed in America and Europe, comprising a customer base of 75M+ globally.
5. Allianz
Allianz operates in more than 200 countries and territories, either through its teams or through the Allianz Group’s network and partners. It is an excellent choice for conventional and family businesses looking to maintain their long-term reputations and avoid legal impacts.
Primary Features:
- Highly detailed D &O liability protections
- Large loss support and governance training
In 2023, Allianz Commercial’s integrated business generated approximately €18B in gross premiums internationally.
Get Tailored D&O Cyber Insurance Starts at ₹10,000/Yr*
Designed for advanced digital enterprises, covering founders to board members.
6. HDI Global
HDI provides D&O insurance products designed to safeguard business leaders in organisations of every size, from SMEs to global businesses. Enables your executives to make confident decisions, backed by HDI’s quick support and flexible coverage.
If you wish to get a top D&O insurance provider in Germany, HDI can be an alternative for you.
Primary Features:
- Get Side A, B, and C coverage
- Fast and flexible underwriting approach
- Protection for stock market flotation-related liabilities
- Global reach with local compliance alignment
HDI’s international insurance programmes have provided global insurance coverage with the ability to issue local policies in over 60+ countries for the past 30 years.
Curious to know How Hackers Ruin Your business & Corporate Reputation?
7. Coalition
The Coalition protects executives and board members of commercial firms and non-profits from personal responsibility arising from corporate decisions.
Coalition’s D&O insurance, designed for organisations with up to $250 million in revenue, helps limit risks associated with lawsuits, financial mismanagement, and regulatory scrutiny for US-based startups and tech giants.
Primary Features:
- Protection against executive liability claims
- Coverage for financial mismanagement, breach of duty, and criminal allegations
- Active Risk Platform delivers quotes in minutes
More than 36% of organisations with D&O coverage had a claim in the previous 24 months, with an average D&O claim of $120,000.
8. TATA AIG
TATA AIG’s unrivalled claims handling blends international power with strong local understanding to defend corporate leadership across different business landscapes.
Primary Features:
- Defence cost advancement and the right to defend
- Comprehensive coverage including retired directors and outside directorships
- Employment Practices Liability (EPL) and regulatory crisis response cover
- Coverage for heirs, estates, and legal representatives
- Preferred underwriter for corporate liability coverage
Tata AIG, with expertise in more than 160 jurisdictions, provides 360 Protector facilities.
Meet the pioneering D&O insurance in India!
Discover other top cybersecurity companies of 2025 in India here!
9. Bajaj Allianz
Bajaj Allianz’s D&O insurance is intended to safeguard company leaders from personal financial loss as a result of their managerial actions. It protects both individual executives and the organisation from a wide range of corporate governance problems.
Let’s discover more about its robust coverage and substantial legal support.
Primary Features:
- Personal asset protection for directors and officers
- Protection against securities claims and shareholder lawsuits
- Legal representation cost coverage during inquiries or investigations
D&O insurance is growing rapidly, with some sources reporting a 35% increase in recent months, and now is a perfect time to invest in a Bajaj Allianz policy.
How SaaS companies are now dependent on Cybersecurity insurance?
10. Beazley
Beazley D&O Insurance provides specialised protection to both private and public companies. It is intended to address the changing obligations and dangers faced by directors, officers, and corporate organisations.
Beazley has been protecting corporate leaders, employees, and company assets for over 30 years, with customisable features and powerful legal defence support.
Primary Features:
- Choice between “duty to defend” or “pay on behalf”
- 100% defence cost coverage for covered losses
- Dedicated Excess Side A limit for insured individuals
- Flexibility in counsel selection with pre-approved options
In 2024, Beazley witnessed a 10% increase in gross written premiums, reaching $6,164.1 M, while net premiums increased by 9.7% to $5,152.3 M.
Don't Let a Cyberattack Bankrupt Your Board in 2025
Your Cheat Sheet for Best Decision Making
| Domain | Recommended Provider |
|---|---|
| Tech Startup with Cyber Exposure | Mitigata |
| Publicly Listed MNC | Chubb / AIG |
| Indian Mid-sized Company | Tata AIG / Bajaj Allianz |
| Multinational Logistics | Zurich |
| Cybersecurity-Heavy Ops | Beazley / Coalition |
Ready to Secure your Reputation and Data?
This reminds us of another quote of Balbix, “Security isn’t something you buy, it’s something you do, and it takes talented people to do it right.” Mitigata offers a team of absolutely talented people to secure your business.
Get tailored D&O Cyber Insurance designed for advanced digital enterprises, covering founders to board members.
FAQ’s on Top 10 D & O Insurance Providers
Q1. Who are the top 10 D&O cyber insurance providers in 2025?
The leading D &O cyber insurance providers in 2025 include: Mitigata, Chubb, AIG, Hiscox, Travelers, AXA XL, Zurich, Beazley, Liberty Mutual, HDFC ERGO (India) & Tata AIG (India).
Each insurance policy offers unique cyber and executive liability bundles tailored to C-level risk profiles.
Q2. Which company offers the best D&O cyber insurance for startups and SMEs?
Mitigata is an ideal cyberinsurance solution for startups and SMEs. They offer scalable cyber and D&O bundles with affordable premiums. Also, get breach response services and tailored protection covered for companies in every sector.
Q3. Which D&O cyber insurance company is best for large enterprises?
Mitigata and AIG are preferred by large enterprises due to their global underwriting capabilities. Their policies include higher limits along with extensive cyber breach mitigation and response services.
Q4. Is D&O cyber insurance available in India?
Yes, top Indian insurers like Mitigata, HDFC ERGO, and Tata AIG offer D&O insurance. As an Indian business owner, now you can meet both regulatory and board-level requirements. These policies are often bundled under corporate liability packages.
Q5. What does a typical D&O cyber insurance policy cover?
A typical policy covers– Data breach liabilities, Legal costs from executive decisions, regulatory investigations, reputational harm, shareholder lawsuits, and much more.
Q6. Which insurer offers the fastest claims process for D&O insurance?
Mitigata is known for its swift claims settlement, breach notification support, and a dedicated cyber incident response team that reduces downtime and executive exposure.
Q7. Can I customize D&O cyber insurance based on industry?
Yes, most providers like Mitigata, AXA XL, and Liberty Mutual offer industry-specific add-ons for sectors like fintech, healthcare, and IT, ensuring tailored executive risk coverage.
Q8. How do I choose the right D&O cyber insurance provider?
Compare providers based on: Coverage limits and exclusions, cyber incident response support, board-level liability protection, regulatory compliance add-ons, and Industry expertise. Although, at the end it’s on you to choose your preferences based on the priorities for your business.
