---
title: "Beazley vs RiskCube Cyber Insurance"
description: "RiskCube markets affirmative coverage for agentic-AI incidents through AI-agent-assisted brokering; Beazley's sample cyber form addresses conventional breach, extortion and eCrime scenarios."
canonical: "https://spot.insure/compare/beazley-vs-riskcube/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-riskcube/cyber)

# Beazley vs RiskCube Cyber Insurance

RiskCube markets affirmative coverage for agentic-AI incidents through AI-agent-assisted brokering; Beazley's sample cyber form addresses conventional breach, extortion and eCrime scenarios.

## Research Scope and Use

Use this comparison to evaluate Beazley and RiskCube for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

RiskCube says it places cyber programs with affirmative language for agentic-AI incidents and model-security issues, while Beazley's sample MediaTech form names Breach Response Costs, Cyber Extortion Loss and eCrime without addressing AI-specific exposures. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [8](https://riskcubeai.com/ "Startup Business Insurance") [9](https://riskcubeai.com/licenses "Licenses & Disclosures") [10](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [12](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### AI-Specific Coverage

RiskCube markets cyber programs with affirmative coverage for agentic-AI incidents and training-data or model-security issues, layering AI-specific wrap coverage when a primary policy excludes AI risk.

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. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page "Cyber coverage built for AI and agentic companies" section..)

Beazley's sample MediaTech form names conventional cyber insuring agreements — Breach Response Costs, Cyber Extortion Loss, eCrime — without describing AI-incident-specific language. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

### Role and How You Buy

RiskCube states directly that it is not an insurance carrier and instead compares carrier options through AI agents and licensed brokers, typically delivering a quote within about 24 hours. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") Beazley underwrites Full Spectrum Cyber itself for eligible small accounts, purchased through a broker on its myBeazley platform rather than an AI-assisted intake. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

### Eligibility

RiskCube targets AI and data companies, cloud/DevOps platforms, payment processors and defense startups specifically. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") Beazley applies a flat revenue cap of $35 million regardless of technical niche, without naming AI or data companies as a distinct eligible segment. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

## What to Confirm in Cyber Insurance Quotes

- Ask RiskCube which underlying carrier would actually issue the policy, since it names none. [10](https://riskcubeai.com/disclosures "Disclosures & Compensation")
- Ask Beazley to name the entity issuing Full Spectrum Cyber, since its page also doesn't. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")
- Ask Beazley directly whether its policy language addresses agentic-AI or model-security incidents, since its sample form doesn't mention them. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups")
- Get RiskCube's specific limit figures, since its page discusses buyer needs without publishing amounts. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups")

## Offering Details

| Criteria | Beazley Full Spectrum Cyber for Small Businesses | RiskCube Cyber Insurance |
| --- | --- | --- |
| 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. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: 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. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options..) |
| Issuing Insurer | The Full Spectrum Cyber page does not name an issuing insurer. Beazley's Digital MediaTech Application, which bundles a cyber insuring agreement, names Beazley Insurance Company, Inc. on its cover page, but the actual issuing entity for a stand-alone cyber quote is not established by the reviewed pages. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Not found in reviewed sources; scope: Full Spectrum Cyber product page and MediaTech application form, both checked on 2026-09-23; not a regulator record..) | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including cyber, are underwritten and issued by third-party carriers it does not name; the cyber page itself does not identify an issuing insurer. [10](https://riskcubeai.com/disclosures "Disclosures & Compensation") [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure and the cyber product page as read on 2026-09-23..) |
| 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. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: 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. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page "Who needs cyber insurance" section..) |
| 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. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: 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. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections..)<br><br>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. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page "Cyber coverage built for AI and agentic companies" section..) |
| Limits and Retentions | In the sample MediaTech form, unless the declarations list a separate amount, the cyber-related insuring agreements share the same Policy Aggregate Limit of Liability with the policy's technology, professional and media coverages rather than carrying a dedicated cyber-only limit. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations, and may differ for a stand-alone Full Spectrum Cyber policy..) | RiskCube says needed cyber limits depend on enterprise contract requirements, customer data exposure and revenue, but does not publish specific limit or retention amounts on the product page. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Not publicly disclosed; scope: Cyber product page "How much cyber insurance do startups usually purchase" FAQ..) |
| Risk Services | Full Spectrum Cyber policyholders get discounted access to vendor services, including anti-phishing tools and training, email security services, cyber risk analysis and other pre-breach prevention services, through Beazley's partnership with its in-house Beazley Security unit. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page..) | Not described in the reviewed sources. |
| 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. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: 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. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Company-reported; scope: Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ..) |
| Claims Support | Beazley describes its Beazley Breach Response service as mobilizing a coordinated response after a cyber incident, including forensics specialists, legal counsel, notification services and call centers, credit monitoring and public-relations support. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Full Spectrum Cyber product page Beazley Breach Response Services section; service quality and turnaround are Beazley's own description and not independently verified..) | The reviewed cyber page does not describe claims handling or a dedicated claims team for this line. [11](https://riskcubeai.com/insurance/cyber "Cyber Insurance for Startups") (Evidence: Not found in reviewed sources; scope: Cyber product page as read on 2026-09-23..) |

## Full Comparison

- [Beazley vs RiskCube](https://spot.insure/compare/beazley-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Beazley vs RiskCube Crime Insurance](https://spot.insure/compare/beazley-vs-riskcube/crime)
- [Beazley vs RiskCube D&O Insurance](https://spot.insure/compare/beazley-vs-riskcube/directors-officers)
- [Beazley vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-riskcube/employment-practices)
- [Beazley vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-riskcube/fiduciary)
- [Beazley vs RiskCube General Liability Insurance](https://spot.insure/compare/beazley-vs-riskcube/general-liability)
- [Beazley vs RiskCube Tech E&O Insurance](https://spot.insure/compare/beazley-vs-riskcube/technology-errors-omissions)
- [Alliance Risk vs Beazley Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/cyber)
- [Alliance Risk vs RiskCube Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/cyber)
- [Amelia Risk vs Beazley Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/cyber)
- [Amelia Risk vs RiskCube Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/cyber)
- [At-Bay vs Beazley Cyber Insurance](https://spot.insure/compare/at-bay-vs-beazley/cyber)
- [At-Bay vs RiskCube Cyber Insurance](https://spot.insure/compare/at-bay-vs-riskcube/cyber)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer: Cyber coverage includes; SME placement paragraph. Accessed 2026-09-23.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer: Beazley Breach Response, integrated cyber risk management services, Beazley Security partnership; Beazley Breach Response Services; Vendor Services; Eligibility and myBeazley platform paragraph. Accessed 2026-09-23.
6. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; Breach Response, Regulatory Defense & Penalties, Payment Card Liabilities & Costs, First Party Data & Network Loss and eCrime insuring agreements; Definitions: Breach Response Costs, Cyber Extortion Loss, Security Breach; Limit of Liability and Coverage. Accessed 2026-09-23.
7. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, Beazley Insurance Company, Inc.; pages 3-4 Ransomware Controls (MFA, VPN, patching, backups, security awareness training). Accessed 2026-09-23.

### RiskCube

8. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
9. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
10. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
11. [Cyber Insurance for Startups](https://riskcubeai.com/insurance/cyber). RiskCube; Who needs cyber insurance; What is Cyber Liability Insurance; What's covered; "Cyber coverage built for AI and agentic companies"; Common Exclusions; FAQs; application steps. Accessed 2026-09-23.

### Cyber Insurance Guide

12. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-vs-riskcube/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)