Best D&O insurance for tech startups in USA
Non-sponsored, Expert Verified and Transparently Ranked D&O insurance for tech startups in USA
Published: December 18, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Directors & Officers Insurance by Vouch scored highest due to Exclusive coverages for tech including AI insurance, with a focus on startups and venture-backed companies for quick, expert protection..
Content Verification
Side-by-Side Comparison
| Feature | #1 Directors & Officers Insurance (Vouch) | #2 Insurance (AXA XL) | #3 Risk Consulting, Brokerage, and Claims Advocacy Services (Marsh) | #4 Business Insurance Solutions (Allianz Commercial) | #5 Business Insurance (Chubb Limited) |
|---|---|---|---|---|---|
| Best For | Exclusive coverages for tech including AI insurance, with a focus on startups and venture-backed companies for quick, expert protection. | Largest US D&O insurer by direct premiums (1.1 billion USD in 2023), with specialized tech industry experience. | Innovative policy crafted for today's broad risk landscape, with enhancements beyond standard D&O coverage. | Expertise in emerging risks like cyber oversight and mega-bankruptcies, with global insights tailored for North American executives. | High market share with nearly 1.1 billion USD in D&O premiums written in 2023, known for robust coverage in dynamic markets. |
| Coverage Specificity | Side A/B/C management liability, plus tech‑startup, specific endorsements: IP infringement defense for suits against leadership and cap‑table dispute defense. Also covers investor/shareholder claims, regulatory investigations (e.g., SEC subpoenas), misstatements, breach of fiduciary duty; excludes EPLI, E&O/product issues, bodily injury/property damage. (vouch.us) | Tech-focused coverage: D&O available as Primary, Excess, Side‑A DIC and Excess Side‑A DIC; E&O offers customized policies for US‑domiciled businesses with non‑admitted options. Technology industry solutions specifically address IP infringement, data security and IT resiliency, with compliant multinational programs spanning 208+ countries/territories. (axaxl.com) | Proprietary D&O (Marsh Delta) for private/public/PE-owned clients outside FTSE 100; not available to US‑domiciled or US‑listed firms. Features include broad investigation cover, extensions, favorable reporting, and severability. Standard D&O Sides A/B/C apply. IPO clients can add coverage for indemnification obligations to investment banks. (marsh.com) | Tailored D&O coverage for companies and individual directors/officers; includes Side A, Employment Practices Liability, Pension Trustee Liability, Crime, and POSI. (commercial.allianz.com) Covers defense costs, damages, settlements and awards, with some entity coverage, and supports global master programs with locally admitted policies; availability may vary by country. (commercial.allianz.com) | Highly tailored: modular D&O/management liability with optional coverage parts and endorsements; industry-specific versions (e.g., law firms, financial institutions), broad insured/claim definitions. (chubb.com) Multinational options include tie‑in of limits, locally admitted policies, and manuscripted solutions for unique needs. (chubb.com) |
| Premium Competitiveness | Typical Vouch D&O premiums for tech startups start around $4, 000, $7, 000/year, roughly in line with market benchmarks (Embroker $3.5k, $6k; CoverWallet ≈$4k per $1M). Partner programs can further reduce cost (e.g., 10% YC discount; up to 10% for SVB clients). (vouch.us) (embroker.com) (vouch.us) | AXA XL is the market-leading U.S. D&O writer (9.6% share, 2023); with public D&O prices down 5.2% YoY in Q2 2024 and 2.8% in Q2 2025, and competition sharpest in excess layers due to abundant capacity, its scale supports competitive premiums. (insurancejournal.com) | Premiums are competitive: US D&O rates fell ~5% in Q1 2025; financial/professional lines decreased 5% globally in Q3 2025. Marsh boosts competitiveness via proprietary capacity (D&O Echo) and a Fast Track 2.5% premium discount, and is developing proprietary pricing models for private D&O. (marsh.com) | D&O premiums are currently competitive: excess capacity led to U.S. rate decreases in 2024, with pricing flattening in 2025 for many public companies; some buyers used savings to purchase additional limits, per Allianz executives and market analyses. (riskandinsurance.com) | Generally not price-leading. MoneyGeek finds Chubb averages ~$118/month for small business coverage, ranking last (10th) for affordability. (moneygeek.com) Forbes ranks Chubb 14/23 on pricing/premiums for LLCs. (forbes.com) Some analyses report sub-$500 BOP quotes, and D&O premiums broadly decreased in 2025, improving competitiveness. (insurance.com) |
| Claims Handling Efficiency | Online filing via member account; response within 1 business day. (support.vouch.us) Claims manager assigned within 1, 2 business days; day‑to‑day handling by Network Adjusters (TPA) under Vouch oversight; streamlined claims process. (vouch.us) | 1200+ claims experts with 24/7 availability; 99.5% of Americas claims handled locally. Uses TPAs with audits/scorecards and tech like Xtract to digitize intake and speed decisions, enabling prompt, efficient resolution worldwide. (axaxl.com) | Dedicated claims advocacy via 1, 800+ claims professionals; proactive advocacy for prompt, fair resolutions and clear, timely status updates; simplified claims processes. Blue[i] Claims aggregates carrier/TPA data into real-time dashboards to improve visibility, identify cost-savings, and streamline claim handling. (marsh.com) | Solution‑oriented, coordinated global claims management focused on speed and clarity: quick acknowledgement and early coverage certainty, interim payments for major losses, transparent protocols, and timely updates via a customer portal. Each claim is handled by a dedicated expert; the specialist team averages 10+ years’ adjusting experience. (commercial.allianz.com) | 24/7 online claims reporting; prompt contact within one business day; empowered local claims teams for quicker decisions; regular status updates every 60, 90 days on lost‑time claims; and payments typically issued within 48 hours after settlement. (chubb.com) |
VouchCompany Information
Description
At Vouch, we put people first and serve our clients with integrity and excellence. Vouch’s mission is to craft the best insurance for those building the future.
What They Do
Vouch provides business insurance solutions tailored for technology, healthcare, and professional services industries.
Who They Serve
Vouch serves innovative companies and startups across various sectors.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Technology-powered insurance broker offering D&O insurance specifically tailored for tech startups and growing companies in the USA. Protects founders, officers, and board members from claims related to leadership decisions. Designed for ambitious tech firms with seamless digital tools and industry expertise.
Key Features
- Side A: Covers assets of individual directors and officers when the startup cannot indemnify them
- Side B: Reimburses the startup for covering a board member’s or officer’s claim-related costs
- Side C: Covers defense costs/settlements for claims against the company for negligence or breach of duty
- Intellectual Property (IP) protection (Vouch exclusive): Covers defense costs if leadership is sued for alleged infringement
- Cap table disputes (Vouch exclusive): Covers defense costs for legal action regarding ownership percentages or equity distributions
Key Benefits
- Personal asset protection for directors and officers
- Helps attract and retain top talent
- Meets expectations of venture capitalists and investors
- Required or highly recommended when going public
- Exclusive coverages for technology companies
- Apply online in 10 minutes or less
- Activate protection within 24 hours
- Streamlined claims process
Who Is It For
- Founders
- Officers
- Board members
- Startups
- Technology companies
- Companies raising capital
- Companies appointing board members
- Companies entering highly litigious or regulated industries
- Companies going public
Use Cases
- Raising capital
- Appointing a board member
- Entering a highly litigious or regulated industry
- Going public
Protection for your founders, officers and board members.
Directors & Officers Insurance provides protection for your founders, officers, and board members. It covers what D&O does and doesn't cover, recommendations based on stage and vertical, and which add-ons make sense for your startup.
- What Directors & Officers does & doesn't cover
- Recommendations based on stage and vertical
- Which add-ons make sense for your startup
Why
Personal asset protection for directors and officers. Attract and retain top talent. Venture capitalists tend to expect D&O coverage as a way to protect themselves. When going public, you’ll want coverage to protect as much of your activity as possible.
- Personal asset protection for directors and officers
- Attract and retain top talent
- Venture capitalists expect D&O coverage
- Coverage needed when going public
What Directors & Officers Insurance Covers
Side A: Assets of individual directors and officers, when the startup can’t indemnify the individual to cover costs related to a claim. Side B: Reimbursements to the startup for covering a board member’s or officer’s claim-related costs. Side C: Defense costs/settlements for claims alleged against the Company for negligence or breach of duty. Vouch exclusive: IP protection and cap table disputes.
- Side A: Individual asset protection
- Side B: Startup reimbursement
- Side C: Company defense costs
- Intellectual Property (IP) protection (Vouch exclusive)
- Cap table disputes (Vouch exclusive)
What it doesn’t cover
Damage to your business property or losses caused by your product, claims that your professional work caused a financial loss, employee injuries, employee lawsuits, and data breaches are not covered by D&O insurance.
- Business property damage or product losses
- Professional work causing financial loss
- Employee injuries
- Employee lawsuits
- Data breaches
Directors & Officers Claims Examples
Case studies of D&O claims, including lawsuits for alleged technology theft, SEC subpoenas, and misappropriation of trade secrets.
- Alleged technology taken from competitor
- SEC seeking documents and information
- COO misappropriation of trade secrets
Why Business Insurance from Vouch
Vouch offers digital application, fast activation, exclusive coverages for technology companies, AM Best A rating, and a streamlined claims process.
- Apply in 10 minutes or less
- Activate protection within 24 hours
- Exclusive coverages for technology companies
- AM Best rating of A (Excellent)
- Streamlined claims process
Resources
Supporting Resources
Detailed Comparison
Coverage Specificity
Premium Competitiveness
Claims Handling Efficiency
AXA XLCompany Information
AXA XL is a leading provider of P&C global commercial insurance offering insurance and reinsurance to enterprises of every kind and size. AXA XL helps you take your business further.
Keywords
Description
AXA XL is the P&C and Specialty division of AXA, providing Re/Insurance to mid-sized and multinational companies, and some high-net-worth individuals.
What They Do
AXA XL provides insurance and reinsurance solutions, risk consulting, and innovative risk management services.
Who They Serve
Mid-sized and multinational companies, as well as high-net-worth individuals.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Leading D&O insurance provider for the technology industry in the USA, offering coverage for IT and tech sector risks. Top writer by premiums written, protecting executives from liability claims.
Key Features
- Coverage in more than 200 countries and territories
- Award-winning captive solutions
- Primary and excess casualty insurance
- Flexible construction coverages and risk engineering
- Full suite of cyber insurance solutions
- Environmental insurance expertise
- Excess & Surplus (E&S) solutions for unique risks
- Multinational/global program capabilities
- Professional liability coverage
- Property insurance for commercial assets
- Specialty insurance (aviation, marine, fine art, etc.)
- Structured risk and (re)insurance solutions
- Delegated authority and program business
- Wholesale insurance for complex or non-standard risks
- Customized risk management and consulting
Key Benefits
- Global reach and local expertise
- Comprehensive coverage across a wide range of risks
- Innovative and tailored insurance solutions
- Support for complex and emerging risks
- Strong financial backing as part of AXA Group
- Data-driven insights and leading technology
- Risk consulting and loss prevention services
Who Is It For
- Mid-size companies
- Multinational corporations
- Some high-net-worth individuals
- Brokers and underwriters (via alternative distribution)
- Industry-specific clients (see industries_served)
Resources
Supporting Resources
Detailed Comparison
Coverage Specificity
Premium Competitiveness
Claims Handling Efficiency
Risk Consulting, Brokerage, and Claims Advocacy Services
MarshCompany Information
Marsh is a global leader in insurance broking and risk management, bringing global, national, and industry-specific solutions to a wide range of clients.
Keywords
Description
Marsh is a global professional services firm that specializes in insurance brokerage and risk management. The firm helps clients navigate complex risks and embrace their opportunities.
What They Do
Marsh provides insurance brokerage and risk management services to clients across various industries worldwide.
Who They Serve
They serve a wide range of clients including businesses, governments, and organizations across multiple sectors.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Proprietary D&O liability insurance for private companies, including tech startups, addressing modern risks like enforcement actions and evolving legislation. Available to Marsh clients for comprehensive protection of directors and officers.
Key Features
- Risk consulting
- Insurance brokerage
- Claims advocacy
- Data-driven risk analysis
- Technology-enabled solutions
- Analytics for risk management
Key Benefits
- Better quantification and management of risk
- Access to global expertise and industry-specific knowledge
- Support in navigating complex risk environments
- Leverage of data, technology, and analytics for informed decision-making
Who Is It For
- Organizations and businesses across a wide range of industries
- Clients seeking to manage, transfer, or mitigate risk
- Companies requiring support with insurance placement and claims management
Services
Our consulting, brokerage, and claims advocacy services leverage data, technology, and analytics to help you better quantify and manage risk. Explore our global expertise below. Please note that service availability varies by location. Contact a Marsh advisor for support in your region.
Resources
Supporting Resources
Detailed Comparison
Coverage Specificity
Premium Competitiveness
Claims Handling Efficiency
Business Insurance Solutions
Allianz CommercialCompany Information
Description
Allianz Commercial is your trusted partner for a wide range of tailored commercial and specialty insurance solutions designed to protect your business.
What They Do
Allianz Commercial provides tailored commercial and specialty insurance solutions and risk consulting services.
Who They Serve
Businesses of all sizes, from mid-sized businesses to the largest multinationals.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Key Pages
Navigation Links
Summary
D&O insurance addressing geopolitical, cyber, and insolvency risks for US tech firms and startups. Focuses on increasing claims severity and board oversight needs in the evolving market.
Key Features
- Customizable insurance and risk prevention solutions
- Coverage for traditional and alternative risks
- Specialized expertise for complex and emerging risks
- Multi-year, multi-line contracts for complex risk management
- Direct, empowered access to coordinated teams for sales, account management, and underwriting
- Support for global insurance programs and multinational needs
Key Benefits
- Comprehensive and specific insurance solutions for a wide range of industries and business sizes
- Global consistency with local expertise in over 200 countries and territories
- Market-leading capacity to handle the largest and most complex risks
- Financial strength and strong ratings
- Dedicated risk consulting services
- Strong claims management team
- Coverage for more than 21,000 local policies worldwide
- Single point of contact for global programs
- Commitment to sustainability and ESG integration
Who Is It For
- Small businesses
- Mid-sized businesses
- Large corporations
- Multinational companies
- Industry-specific sectors (e.g., construction, financial services, technology, media, telecommunications, entertainment, agriculture, transportation, wine and spirits, etc.)
Corporate and specialty business insurance solutions
Allianz Commercial is your trusted partner for a wide range of commercial and specialty insurance solutions tailored to your unique risks. Whatever your industry, whether you are a small business or a large corporation, we offer comprehensive and specific solutions to protect your business.
Solutions by product group
Allianz Commercial specializes in protecting businesses by covering the most important risks with comprehensive coverage. Our customized business insurance and risk prevention solutions ensure that your business is secure and prepared for the future.
- Aviation Insurance
- Construction Insurance
- Cyber Insurance
- Entertainment Insurance
- Financial Lines Insurance
- Liability Insurance
- Marine Insurance
- Natural Resources Insurance
- Property Insurance
- Sustainability Solutions
Further business insurance solutions by Allianz Commercial
In some markets we also offer the following commercial insurance solutions under the trade name Allianz Commercial.
- Agriculture Insurance
- Business Package
- Business Travel
- Casualty
- Commercial Accident
- Contractual Warranty
- Credit Insurance
- Crime Insurance
- Drone Insurance
- Equipment and Goods Insurance
- Fine Art Insurance
- Hole-In-One
- Legal & Tax Protection
- Livestock Insurance
- Motor and Fleet Insurance
- Packaged Products Insurance
- Surety
- Transportation
- Wine and Spirits Insurance
- Work Injury Compensation Insurance
Global Industry Solutions
We can support your industry with tailored solutions across Allianz. We guarantee consistent expertise, service and financial strength around the world — from stand-alone cover for a single risk to the largest multi-site international programs.
- Construction Industry: Tailored solutions for the global construction market.
- Financial and Professional Services: Solutions for cyber crime, credit risks, D&O exposures, and technological advancements.
- Technology, Media and Telecommunications: Adaptable solutions for the TMT sector.
Alternative Risk Transfer
Alternative Risk Transfer (ART) is used to describe all types of risk transfer and retention solutions that do not fit the traditional insurance model. Allianz Commercial develops innovative, customized insurance, reinsurance and other non-traditional risk management solutions for a broad range of corporate and financial clients worldwide.
- Multi-year, multi-line contracts
- Customized for complex risks
Allianz Trade: Trade credit insurance and surety bonds
Through our sister company Allianz Trade, we offer a comprehensive range of solutions for managing commercial credits between companies. Allianz Trade is the global leader in trade credit insurance and a recognized specialist in surety, debt collection, fraud insurance, structured trade credit and political risk.
Why choose Allianz Commercial as your partner?
At Allianz Commercial, we're a global powerhouse, that brings together the best for our customers — from mid-sized businesses to the largest multinationals.
- Market-leading capacity to handle the largest risks
- Financial strength and strong ratings
- Network in over 200 countries and territories
- Management of more than 4,000 global insurance programs
- 100+ years of technical expertise
- Dedicated risk consulting services
- Strong claims team
- Coverage for more than 21,000 local policies worldwide
- International and diverse teams
- Part of Allianz Group
- Commitment to sustainability and net-zero emissions by 2050
Key benefits for our brokers and clients
- Global consistency, local expertise
- Speed and clarity
- Direct, empowered access
- Comprehensive risk solutions
- Specialized expertise for complex risks
- Solutions for every size
Resources
Supporting Resources
Detailed Comparison
Coverage Specificity
Premium Competitiveness
Claims Handling Efficiency
Chubb LimitedCompany Information
Chubb is a global insurance company providing a range of insurance products for individuals, families, and businesses in the Benelux region. They offer various insurance solutions, including liability, property, cyber, and life sciences, as well as exclusive car insurance and masterpiece insurance for individuals.
Keywords
Description
At Chubb, we deliver excellence in all we do, being there when you need us most. We provide exceptional service to our customers and business partners—it's who we are.
What They Do
Chubb provides insurance solutions for individuals, families, and businesses, including property, auto, travel, and embedded insurance.
Who They Serve
Individuals, families, businesses, agents, and brokers.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Enterprise-grade D&O liability insurance for tech startups and companies in the USA, covering directors and officers against claims from shareholders and regulators. Second-largest writer in the US market.
Key Features
- Customizable insurance products (liability, cyber, property, accident & health, etc.)
- Industry-specific solutions across 30+ industry practices
- Risk engineering and consulting services
- Claims support and business income consultation
- Coverage for businesses of all sizes
- Global reach and multinational capabilities
Key Benefits
- Tailored insurance solutions for unique business needs
- Coverage for a wide range of industry-specific risks
- Access to risk specialists and nearly 500 in-house risk engineers
- World-class claims service with high satisfaction rates
- Financial strength and stability
- Strategic partnership and insights for large and multinational businesses
Who Is It For
- Small businesses (startups to established local businesses)
- Large and multinational businesses
- Businesses across 30+ specialized industries
- Companies seeking tailored risk solutions
Tailored business insurance solutions
Chubb has protected businesses of all sizes, their employees and their reputations against industry-specific risks for more than 200 years. Let our risk specialists work to find the right business insurance coverage for your unique needs.
Products, services, industry expertise
Chubb’s expertise spans 30 specialized Industry Practices. Working together, our underwriters, risk and claims professionals tailor industry-specific solutions for each of our clients.
- Explore by industry: 30+ specialized industry practices
- Explore by product: Liability, cyber, property, accident and health
- Explore our services: Risk engineering, claims support, income consultation
Insuring businesses of all sizes
Small businesses at every stage look to Chubb for robust protections, world-class claims service, industry-specific knowledge and coverage options that insure against risks as they grow. Large & multinational businesses rely on Chubb for strategic partnership, insights, premium products and services, stability, financial strength and insurance industry leadership.
- Small businesses: robust protections, claims service, industry knowledge
- Large & multinational businesses: strategic partnership, insights, premium products
Business insurance excellence by the numbers
#1 Commercial lines insurer in the U.S.; 200+ years of experience; $21B claims paid globally (2023); 92% overall claims satisfaction (clients with a paid claim across 2022-2023)
- #1 Commercial lines insurer in the U.S.
- 200+ years of experience
- $21B claims paid globally (2023)
- 92% overall claims satisfaction (2022-2023)
Unique risk solutions across industries
Chubb’s industry practice specializations continue to grow in response to rising business segments, ensuring that our capabilities and products align strategically to the evolving risks that matter most in your industry.
- 30+ industry practices
- Industry-specific risk solutions
Prepare and prevent with Chubb Risk Consulting
Chubb’s in-house network of nearly 500 risk engineers helps businesses anticipate and minimize costly exposures. The Chubb Risk Engineering Center offers services on fire protection, equipment breakdown, worker safety and more.
- Fire protection
- Equipment breakdown
- Worker safety
- Next generation risk management
Insights & expertise
Learn more about market conditions and risks that affect your industry, leverage tips and strategies for protecting your business and see Chubb’s expertise in action with white papers, articles, and success stories.
- Evolving risks for the middle market
- Insurance costs depend on 4 factors
- Navigating risks in cleanrooms
- Cold weather safety tips for employees
- 4 steps for creating a safer worksite
- When middle markets go multinational
Get a business insurance quote that fits your business
Whether your business is large or small, we’ll leverage our premium products and services to create a plan that protects your business, your employees and your reputation. Talk to Chubb today.
Resources
Supporting Resources
Detailed Comparison
Coverage Specificity
Premium Competitiveness
Claims Handling Efficiency
Our Ranking Methodology
How we rank these offerings
We ranked these D&O insurance for tech startups in USA based on three key factors: Coverage Specificity (40% weight), Claims Handling Efficiency (35% weight), and Premium Competitiveness (25% weight). Directors & Officers Insurance scored highest because of its specialized focus on tech startups with comprehensive coverage specific to their unique risks, efficient claims handling process, and competitive pricing. Insurance also performed well with strong industry focus and competitive pricing but slightly behind in claims handling efficiency compared to Directors & Officers Insurance.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for D&O insurance for tech startups in the USA?
- The cost of D&O insurance for tech startups in the USA typically varies based on company size, industry risk profile, and coverage limits. Companies like Directors & Officers Insurance provide tailored solutions which may include flat-rate premiums or variable pricing models based on risk assessments specific to tech firms. Risk Consulting, Brokerage, and Claims Advocacy Services may offer proprietary pricing models that account for modern risks such as evolving legislation, while comprehensive brokers like Business Insurance offer enterprise-grade solutions likely reflective of their high-ranking market position as the second-largest writer in the US.
- What key selection criteria should tech startups consider when choosing D&O insurance?
- Tech startups should consider insurers' expertise in the technology sector, as demonstrated by companies like Directors & Officers Insurance, which offers industry-expert solutions. The ability to cover evolving risks like those related to cybersecurity and insolvency, offered by Business Insurance Solutions, is also crucial. Additionally, evaluating the degree of digital tool integration and seamless service delivery, as provided by tech-focused insurers, can influence decision-making.
- What industry standards and compliance factors affect D&O insurance for tech startups?
- Tech startups must comply with regulatory standards that impact D&O insurance, such as federal securities laws and state corporate governance codes. Companies like Insurance focus on covering IT-specific risks, which may entail adhering to cybersecurity regulations. Compliance with modern legislative requirements, addressed by Risk Consulting, Brokerage, and Claims Advocacy Services, ensures startups meet legal criteria while protecting their directors and officers.
- What implementation challenges might tech startups face with D&O insurance, and how can they be addressed?
- Implementation challenges for tech startups may include aligning coverage with rapidly changing business models and regulatory environments. Brokers like Risk Consulting offer claims advocacy and consultation services to help startups navigate these challenges effectively. Additionally, leveraging digital tools and expert guidance from providers like Directors & Officers Insurance can streamline setup and ongoing management of D&O policies.
- How can tech startups measure the ROI and value delivered by D&O insurance?
- The ROI of D&O insurance can be assessed by evaluating the financial protection it provides against costly legal claims and its role in attracting qualified leadership. Providers like Business Insurance, known for high market penetration, offer comprehensive coverage that reduces potential financial losses from shareholder litigation. Moreover, businesses benefit from peace of mind knowing their operations are underscored by robust oversight, a focus of Business Insurance Solutions designed for increasingly severe claims scenarios.
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