Directors and Officers Insurance Cost Calculator
Last updated: July 2026
Estimate a D&O insurance premium from company revenue, base rate, coverage limit, governance and claims risk, deductible adjustment and fees.
Estimated annual D&O premium
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- Estimated monthly premium: —
- Risk-adjusted premium before discount: —
- Estimated deductible discount: —
- Premium per $1 million of revenue: —
On this page
Quick summary: Estimate a D&O insurance premium from company revenue, base rate, coverage limit, governance and claims risk, deductible adjustment and fees. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate a D&O insurance premium from company revenue, base rate, coverage limit, governance and claims risk, deductible adjustment and fees. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
Revenue in millions is multiplied by the entered base rate, coverage-limit factor and risk factors. A deductible adjustment is subtracted and fees are added.
Important limitations
Ownership, funding, board composition, financial condition, securities exposure, employment practices, claims and insurer terms affect actual D&O quotes.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.