Alliance Risk vs RiskCube: How Do They Compare for D&O Insurance?

RiskCube compares D&O across carriers and checks AI-company policies for AI exclusions or limits within the policy; Alliance Risk offers a free review of current coverage and publishes indicative prices and limits.

RiskCube suits AI companies: after a roughly 10-minute online intake it compares carrier quotes and checks each AI-company policy for AI exclusions before binding. Alliance Risk reviews your current D&O program free and publishes Side A limit and premium bands, so you can gauge cost before applying. ^3,¹

What Are the Key Differences Between Alliance Risk and RiskCube D&O Insurance?

AI-Exclusion Screen vs Side A/B/C Gap Review

RiskCube checks every AI-company D&O policy for AI-related exclusions or sublimits before binding, which matters if investors could accuse you of overstating your AI ("AI washing"). Alliance Risk's free review looks for gaps in your Side A/B/C structure and missing endorsements, but doesn't mention an AI screen. Choose RiskCube if you build or sell AI; choose Alliance Risk if you already have a D&O program and want it audited against the market. ³ ¹

10-Minute Online Intake vs a Fuller Submission

RiskCube's online intake takes about 10 minutes and asks about fundraising, capitalization, board, revenue and prior litigation; AI agents and licensed brokers then compare quotes. Alliance Risk asks for more up front, including five years of claims history and any planned M&A or IPO. Both are brokers; carriers underwrite the policies. ³ ⁴ ¹

Published Price Bands vs No Figures

Alliance Risk publishes indicative Side A limits and premium bands by company size. RiskCube publishes no limits or retentions, saying the right amount depends on your stage, board and investors. RiskCube does list common exclusions: fraud, known prior litigation, disputes between insureds and illegal profit. ¹ ³

What Should You Confirm in Alliance Risk and RiskCube D&O Insurance Quotes?

If you're an AI company, ask RiskCube what its pre-bind AI-exclusion check found on the proposed policy. ³
Ask Alliance Risk to run its Side A/B/C review on the same policy. ¹
Check RiskCube's quoted limits against Alliance Risk's published bands. ¹ ³
Ask both which insurer issues the policy; neither D&O page names one. ¹ ⁴

Alliance Risk vs RiskCube D&O Insurance Compared

Alliance Risk vs RiskCube: D&O Insurance: documented features by provider

Criteria	Alliance Risk Directors & Officers (D&O) Insurance	RiskCube Directors and Officers (D&O) Insurance
Who It’s For	Alliance Risk says D&O is relevant to venture-backed and public companies, high-risk industries such as fintech, healthcare, real estate and financial services, companies going through M&A, IPO or leadership changes, nonprofits, and small private companies without outside investors. ¹Company-reported. D&O product page; eligibility for a particular company depends on underwriting. Alliance Risk says a company should turn on D&O coverage at its first priced funding round, because institutional investment brings personal exposure for directors and officers from day one. ²Company-reported. Management liability page's program-staging guidance, describing D&O specifically among the three bundled lines.	RiskCube targets D&O at startups raising institutional funding rounds or adding board members, and at regulated sectors such as AI, fintech, govtech, defense and space, saying investors and boards increasingly require D&O as a closing condition. ³Company-reported. D&O product page "Who needs D&O insurance" section.
How to Apply	For a D&O quote, Alliance Risk asks for company revenue, industry and stage, board composition, investor structure, current D&O coverage and carrier, five-year claims history and upcoming events such as M&A or an IPO, and says it typically delivers proposals within a few business days. ¹Company-reported. D&O product page, What We Need for Your Quote section; timing is a company estimate, not a guarantee.	RiskCube describes a roughly 10-minute digital intake covering fundraising history, capitalization, board structure, revenue and prior litigation, then says its AI agents and licensed brokers compare carrier quotes, typically returning D&O quotes within one to two business days and proof of coverage in about 24 hours after a policy is selected. ³Company-reported. D&O product page process steps and "How fast can we get D and O insurance quotes" FAQ.
Coverage Features	Alliance Risk describes D&O policies it places as having three parts: Side A for individual directors and officers when the company cannot indemnify them, Side B reimbursing the company for indemnification costs, and Side C covering the company directly for certain liabilities. ¹Company-reported. D&O product page; actual policy structure and whether sides are combined or separately limited depend on the carrier and the policy as issued. Alliance Risk lists standard D&O exclusions it sees, including fraud and intentional misconduct, criminal acts, bodily injury and property damage, and often prior acts before the policy started; it says employment practices and ERISA benefit-plan claims are typically excluded and need separate EPLI or fiduciary liability coverage. ¹Company-reported. D&O product page; exclusion wording varies by carrier and the policy as issued.	RiskCube describes a typical private-company D&O program as combining Side A coverage (individual directors and officers when the company can't indemnify them), Side B coverage (reimbursing the company after it indemnifies leadership) and Side C coverage (protecting the company itself). ³Company-reported. D&O product page coverage explanation. RiskCube lists common D&O exclusions including intentional fraud, prior known litigation, insured-versus-insured disputes and illegal profit, and notes that exclusions vary by carrier and policy wording. ³Company-reported. D&O product page "Common Exclusions" section.
Role in This Line	Alliance Risk places D&O insurance as a broker: it reviews a company's existing D&O program and markets the risk to carriers that specialize in management liability. ¹Company-reported. D&O product page; Alliance Risk does not underwrite the policy itself.	RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ³Company-reported. D&O product page footer and general framing of the coverage as "tailored D&O coverage" it provides access to, not a self-underwritten product.
Risk Services	Alliance Risk offers a no-charge review of an existing D&O policy, identifying gaps in the Side A/B/C structure and missing endorsements and comparing the program to market options. ¹Company-reported. D&O product page, Get Your D&O Risk Review section.	RiskCube says it checks every AI-company D&O policy for AI-related exclusions or sublimits before binding, to address "AI washing" allegations and oversight claims. ³Company-reported. D&O product page "AI & governance risk" FAQ.