Beazley vs RiskCube: How Do They Compare for Cyber Insurance?

RiskCube is a brokerage for AI and data companies with a 10-minute intake and quotes in about 24 hours; Beazley's Full Spectrum Cyber is bought through a broker for accounts under $35 million.

RiskCube targets AI and data companies, cloud platforms and payment processors, and says it can layer affirmative AI wrap coverage when primary cyber or Tech E&O is silent. Beazley sells Full Spectrum Cyber as a general small-business product for accounts under $35 million in revenue. ^5,¹

What Are the Key Differences Between Beazley and RiskCube Cyber Insurance?

Affirmative AI Placement Versus a General Small-Business Form

RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage when primary cyber or Tech E&O policies do not address those events. Beazley Full Spectrum Cyber is a general small-business product for accounts under $35 million in revenue with limits up to $5 million; the reviewed pages do not describe AI-specific wrap wording. Choose RiskCube if you need that AI wrap conversation; choose Beazley if you want a named small-business form and fit the revenue cap. ⁵ ¹

Ten-Minute Intake Versus myBeazley Binding

RiskCube describes a roughly 10-minute digital intake, then AI agents and licensed brokers comparing carrier quotes, typically delivering cyber quotes and a vendor-ready certificate within about 24 hours. Beazley tells brokers to quote and bind Full Spectrum Cyber on myBeazley for qualifying small accounts, with no comparable 24-hour certificate claim. ⁵ ¹

Named Buyer Sectors Versus a Revenue Ceiling

RiskCube targets AI and data companies, cloud and DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies. Beazley instead publishes a revenue ceiling rather than those sector labels: Full Spectrum Cyber is for accounts under $35 million. ⁵ ¹

What Should You Confirm in Beazley and RiskCube Cyber Insurance Quotes?

Ask RiskCube which carrier would issue the policy and whether the AI wrap is on the quoted form. ⁵ ⁶
Ask Beazley whether the quote is Full Spectrum Cyber or MediaTech. ¹
If you handle CUI or need SOC 2 contract wording, confirm RiskCube's market will address it. ⁵
Get limits in writing; RiskCube does not publish amounts and Beazley publishes a $5 million Full Spectrum ceiling. ⁵ ¹

Beazley vs RiskCube Cyber Insurance Compared

Beazley vs RiskCube: Cyber Insurance: documented features by provider

Criteria	Beazley Full Spectrum Cyber for Small Businesses	RiskCube Cyber Insurance
Who It’s For	Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. ¹Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting.	RiskCube targets cyber coverage at AI and data companies, cloud/DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies. ⁵Company-reported. Cyber product page "Who needs cyber insurance" section.
How to Apply	Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. ^1,⁴Company-reported. Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal.	RiskCube describes a roughly 10-minute digital intake, then its AI agents and licensed brokers comparing carrier quotes, typically delivering cyber quotes and a vendor-ready certificate of insurance within about 24 hours. ⁵Company-reported. Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ.
Coverage Features	The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. ³Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording.	RiskCube describes cyber coverage as combining first-party costs such as breach response, ransomware negotiation, forensics and data or asset recovery, with third-party liability for claims by customers, regulators, vendors or partners. ⁵Company-reported. Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections. RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. ⁵Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" section.
Role in This Line	For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. ^1,²Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately.	RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ⁵Company-reported. Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options.