Chubb vs RiskCube D&O Insurance

Chubb underwrites D&O and Entity Liability directly through ForeFront Portfolio 3.0, describing this specific version as designed for directors and officers of smaller, privately held companies. ⁴Company-reported. ForeFront Portfolio 3.0 D&O and Entity Liability product page.

RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ⁹Company-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.

Not described in the reviewed sources.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including D&O, are underwritten and issued by third-party carriers it does not name; the D&O page itself does not identify an issuing insurer. ^8,9Company-reported. Company-wide entity and licensing disclosure and the D&O product page as read on 2026-09-23.

Chubb aims this D&O product at smaller private companies and offers separate versions for not-for-profit and healthcare organizations in its ForeFront Portfolio. ^4,5Company-reported. ForeFront Portfolio 3.0 D&O page opening description; ForeFront Portfolio page coverage list.

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. ⁹Company-reported. D&O product page "Who needs D&O insurance" section.

Chubb lists a broad definition of Insured covering the parent organization, subsidiaries, directors or officers (including foreign equivalents), advisory board members and volunteers worldwide; automatic not-for-profit outside-directorship coverage; a broad definition of Claim including written demands, civil and criminal proceedings, and extradition requests; and civil fines and penalties coverage where insurable, including FCPA civil penalties. ⁴Company-reported. Coverage Highlights list; subject to the policy as issued.

Chubb says the policy uses a streamlined insured-versus-insured exclusion with exceptions (including financial impairment, former executives after one year, and whistleblower and employment claims) and conduct exclusions that require final non-appealable adjudication before they apply. ⁴Company-reported. Coverage Highlights list, exclusion-related bullets.

Chubb says the policy provides private-placement and failed-IPO coverage, a full Side A carve-back to the pollution exclusion, and a guaranteed IPO quotation including coverage for road-show presentations. ⁴Company-reported. Coverage Highlights list.

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). ⁹Company-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. ⁹Company-reported. D&O product page "Common Exclusions" section.

Chubb publishes two specific sublimits: a $500,000 sublimit for security-holder derivative-demand evaluation costs, and an optional additional $500,000 Side A dedicated limit for executives. Overall policy limits are not published and depend on the issued policy. ⁴Company-reported. Coverage Highlights list.

RiskCube says needed D&O limits vary by fundraising stage, board composition and investor expectations, but does not publish specific limit or retention amounts on the product page. ⁹Not publicly disclosed. D&O product page "How much D&O insurance do startups need" FAQ.

Not described in the reviewed sources.

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. ⁹Company-reported. D&O product page "AI & governance risk" FAQ.

Agents and brokers can quote and issue the ForeFront Portfolio, including its D&O and Entity Liability coverage, through Chubb Marketplace. ⁵Company-reported. ForeFront Portfolio page quoting section.

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. ⁹Company-reported. D&O product page process steps and "How fast can we get D and O insurance quotes" FAQ.

Not described in the reviewed sources.

The reviewed D&O page does not describe claims handling or a dedicated claims team for this line. ⁹Not found in reviewed sources. D&O product page as read on 2026-09-23.