CFC vs 
RiskCube: How Do They Compare for D&O Insurance?
RiskCube compares D&O across carriers and checks AI-company policies for exclusions or limits within the policy; CFC includes D&O in US management liability and separately offers Side A DIC excess cover.
CFC sells D&O only inside its US management-liability package and declines California-domiciled and US public companies. RiskCube is a broker that compares carrier quotes after a 10-minute online intake, usually within one to two business days, and screens AI companies' policies for AI exclusions. 1,2,5
What Are the Key Differences Between CFC and RiskCube D&O Insurance?
Who Each Fits
RiskCube targets startups raising institutional rounds or adding board members, plus AI, fintech, govtech, defense and space companies, and says investors increasingly require D&O to close. Choose RiskCube if you're a funded startup, especially in AI, or you're incorporated in California; choose CFC if you're an eligible private company that wants D&O packaged with its other management-liability cover and a dedicated adjuster at claim time. 5 2 1
AI Exclusions
RiskCube says it checks every AI company's D&O policy for AI-related exclusions or sublimits before binding, which matters if investors could allege you overstated your AI capabilities. CFC's reviewed materials don't mention AI terms, so if you're an AI company, ask. 5 2
Speed to a Policy vs Support at Claim Time
RiskCube says it usually returns proof of coverage about 24 hours after you pick a quote; its D&O page says nothing about claims. CFC assigns a dedicated adjuster from notification to resolution, adds a separate limit reserved for individual directors and officers, and sells Side A DIC excess above an existing program. 5 4 2
What Should You Confirm in CFC and RiskCube D&O Insurance Quotes?
- Confirm your state of incorporation and public status against CFC's declines before applying. 2
- Ask RiskCube which carrier issues each quote it compares and whether any has an AI exclusion or sublimit. 5 6
- Ask RiskCube who handles your claim if you're sued. 5
- Ask CFC for the dollar amount of the extra insured-persons limit. 2
CFC vs RiskCube D&O Insurance Compared
CFC vs RiskCube: D&O Insurance: documented features by provider
| Criteria | CFC Directors & Officers Liability | RiskCube Directors and Officers (D&O) Insurance |
|---|---|---|
| Who It’s For | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. 2Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | 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. 5Company-reported. D&O product page "Who needs D&O insurance" section. |
| Coverage Features | CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. 2Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms. CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. 2Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages. CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. 1Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here. | 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). 5Company-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. 5Company-reported. D&O product page "Common Exclusions" section. |
| Role in This Line | CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. 1,2Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it. | RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 5Company-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. |
