Directors and Officers Insurance Cost Calculator
Last updated: October 15, 2026
Estimate a D&O insurance premium from company revenue, base rate, coverage limit, governance and claims risk, deductible adjustment and fees.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated annual D&O premium
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- Estimated monthly premium: —
- Risk-adjusted premium before discount: —
- Estimated deductible discount: —
- Premium per $1 million of revenue: —
On this page
Quick summary: Estimate a D&O insurance premium from company revenue, base rate, coverage limit, governance and claims risk, deductible adjustment and fees.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a D&O insurance premium from company revenue, base rate, coverage limit, governance and claims risk, deductible adjustment and fees.
How to use it
Enter Annual company revenue ($); Base premium per $1 million of revenue ($); Coverage-limit factor; Governance and ownership risk factor; Claims and litigation factor; Deductible discount (%); Policy fees and endorsements ($). Select Calculate to update the results.
How the calculation works
Revenue in millions is multiplied by the entered base rate, coverage-limit factor and risk factors. A deductible adjustment is subtracted and fees are added.
Worked example: starting scenario
| Annual company revenue ($) | 10000000 |
|---|---|
| Base premium per $1 million of revenue ($) | 650 |
| Coverage-limit factor | 1.5 |
| Governance and ownership risk factor | 1.2 |
| Claims and litigation factor | 1.1 |
| Deductible discount (%) | 7 |
| Policy fees and endorsements ($) | 1200 |
| Estimated annual D&O premium | $13,169.10 |
|---|---|
| Estimated monthly premium | $1,097.43 |
| Risk-adjusted premium before discount | $12,870.00 |
| Estimated deductible discount | $900.90 |
| Premium per $1 million of revenue | $1,316.91 |
Important limitations
Ownership, funding, board composition, financial condition, securities exposure, employment practices, claims and insurer terms affect actual D&O quotes.