---
title: "CFC vs RiskCube: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-riskcube/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-riskcube"
provider-a: "cfc"
provider-b: "riskcube"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/cfc-vs-riskcube/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of CFC and RiskCube for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about CFC versus RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CFC vs RiskCube for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, CFC or RiskCube?
- What does CFC or RiskCube publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: CFC and RiskCube.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [CFC vs RiskCube](https://spot.insure/compare/cfc-vs-riskcube) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile

# 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's packaged D&O excludes California-domiciled and US public companies, while RiskCube compares D&O quotes for funded startups and AI companies within one to two business days.

## CFC vs RiskCube D&O Insurance Summary

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](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [5](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

## 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability")

### 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [4](https://www.cfc.com/en-us/claims/ "Claims") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")
- Ask RiskCube which carrier issues each quote it compares and whether any has an AI exclusion or sublimit. [5](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [6](https://riskcubeai.com/disclosures "Disclosures & Compensation")
- Ask RiskCube who handles your claim if you're sued. [5](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")
- Ask CFC for the dollar amount of the extra insured-persons limit. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

## CFC vs RiskCube D&O Insurance Compared

| 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. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [5](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms..)<br><br>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. [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages..)<br><br>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. [1](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: 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). [5](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: D&O product page coverage explanation..)<br><br>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. [5](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [2](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [5](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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..) |

## About CFC and RiskCube and D&O Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/reviews)
- [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for CFC vs RiskCube D&O Insurance

- [CFC vs RiskCube](https://spot.insure/compare/cfc-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [CFC D&O Insurance](https://spot.insure/insurance-providers/cfc/directors-officers)
- [RiskCube D&O Insurance](https://spot.insure/insurance-providers/riskcube/directors-officers)

## Sources for CFC vs RiskCube D&O Insurance

### Sources About CFC

1. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
2. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Directors and officers cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
3. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
4. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### Sources About RiskCube

5. [Directors & Officers (D&O) Insurance](https://riskcubeai.com/insurance/directors-and-officers). RiskCube; Who needs D&O; Side A/B/C coverage explanation; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. Accessed 2026-09-23.
6. [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.

Updated 2026-09-29. 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/cfc-vs-riskcube/directors-officers.md)
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- [Public MCP server](https://spot.insure/mcp)
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