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Coalition vs RiskCube

Compare RiskCube’s AI and excess placement descriptions with Coalition’s AI-related cyber and Tech E&O scope.

Introduction

An AI startup can receive proposals described as cyber, Tech E&O or AI insurance without knowing which responds to a model error. RiskCube markets AI coverage and an excess policy for AI coverage gaps. Coalition maps AI-related losses to existing cyber and eligible Tech E&O agreements. The practical question is which contract responds to the loss scenario and at what layer. 23 25 18

Where Each Provider Shines

Where Coalition Shines

  • Combines Tech E&O and cyber coverage for technology businesses. 1
  • Control provides policyholders with monitoring, alerts and remediation guidance. 8

Where RiskCube Shines

  • Multi-insurer quote comparisons 19,22,21,23
  • Policy, COI and renewal management 19,22

Coverage Comparison

Coverage TypeCoalitionRiskCube
CrimeListed 5Listed 23
Cyber liabilityListed 7Listed 23
Directors and officersListed 5Listed 23
Employment practices liabilityListed 5Listed 23
Fiduciary liabilityListed 5Listed 23
General liabilityNot listedListed 23
Generative AI liabilityNot listedListed 23
Key personNot listedListed 27
Media liabilityListed 18Not listed
Professional liability / E&OListed 6Not listed
Technology errors and omissionsListed 1Listed 25
Umbrella and excess liabilityListed 14Listed 25

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between Coalition and RiskCube

An AI Excess Label Needs an Underlying-Policy Explanation

RiskCube markets AI insurance for model errors, hallucination claims, training-data intellectual-property exposure and agentic errors. Its technology E&O page also offers an excess policy for AI coverage gaps. No specimen wording or named issuing insurer for that AI placement was found in the reviewed catalogue and technology E&O page; the AI product URL displayed a contact form. 23,25,30

Ask whether the proposed excess follows the primary wording, adds different insured events or requires the underlying insurer to respond first. Coalition separately lists cyber/Tech E&O excess and requests underlying policy documents. These descriptions justify investigating a layered placement, but do not establish that the two products fit together or that either fills every AI exclusion. 14

The Brokerage and the Underwriting Route Are Separate

RiskCube identifies its producer LLC, parent platform company and third-party insurers. Its advertised digital intake was represented by a contact form at the reviewed application URL. Coalition describes a broker platform process with contract-related technology questions. Plan for underwriting information and document review rather than treating either entry point as a completed quote. 21 29 12

Resolve Fees Before Comparing Premiums

RiskCube’s homepage and FAQ advertise no added broker fees, but its compensation disclosure allows agreed service fees and payment-processing charges. It also describes insurer or intermediary commissions and possible performance incentives. The scope of the fee-free claim needs written clarification for the requested services. 19,24,21

Coalition discloses producer commissions and possible incentives without a quote-specific amount. Have the advisor explain any broker fee and additional security cost alongside the premium. RiskCube’s fee-free headline and Coalition’s included Control features concern different things; neither establishes the total cost of the other services in the proposal. 4 8

What to Confirm in Quotes

Request the AI form, exact insurer, attachment conditions and treatment of training-data IP, hallucinations and autonomous actions. Confirm the California producer and any surplus-lines route, then obtain the agreed fee terms and written binding confirmation. RiskCube’s terms distinguish quotes from binders, so a comparison screen is not evidence that the proposed layer is active. 20 22 23 11

Service Comparison

Coalition vs RiskCube: documented services and availability

CriteriaCoalitionRiskCube
Business role

Coalition combines commercial insurance offerings with cyber risk-management services. In the United States, Coalition Insurance Solutions, Inc. (CIS) is the disclosed insurance producer and surplus lines broker; the issuing insurer is responsible for policy obligations. 2,7

Coalition lists CIS’s California producer and surplus lines license as 0L76155. This is a company disclosure; current license status has not been independently checked with the California regulator. 2

Coalition’s legal page identifies Coalition Incident Response, Inc., doing business as Coalition Security, or independent third parties as security-service providers. Coalition Security does not provide insurance. 2

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC. Its parent, RiskCube, Inc., supplies the platform and operational support; third-party insurers issue coverage. 22,21

Application process

Coalition directs buyers to an appointed insurance broker and offers help finding access if their broker does not offer Coalition. It describes underwriting that considers industry, finances, operations and security posture. 13

Coalition’s broker instructions describe adding Tech E&O during the cyber quote process, supplying a product or service description and answering contract-related questions. Some quotes require review before a price is released. 12

RiskCube describes one digital intake followed by AI-assisted and broker-reviewed quote comparison and digital purchase. The public application URL reviewed displayed a contact form rather than a complete underwriting flow. 19,29

For technology E&O, RiskCube asks for product, customer, revenue and contract details, plus prior claims or known incidents. It qualifies its advertised quote timing by risk profile and underwriting complexity. 25

RiskCube’s terms say quotes are not binders: written confirmation from the insurer or its authorized representative and required conditions must be satisfied before coverage is bound. 22

Access to insurers

Coalition identifies Coalition Insurance Company (NAIC 29530) for admitted cyber and describes CIS as acting for unaffiliated insurers on non-admitted placements. The reviewed sources do not assign a single insurer to every California Tech E&O quote; confirm the named carrier on the quote and policy. 3,2

RiskCube says it compares multiple insurers. Its terms permit placements through surplus-lines channels; the reviewed legal disclosures and catalogue do not identify the issuing insurer for a specific California applicant. 19,22,21,23

Fees and compensation

Coalition says independent producers typically receive commissions based on premium for new and renewed policies. Contingent commissions, placement incentives and compensation for certain cybersecurity sales may also apply. 4

Coalition says it retains part of earned premiums to fund operations and broker commissions and receives additional carrier payments based on the portfolio’s annual loss ratio. 16

The reviewed compensation disclosures do not state the commission percentage, broker fee or total premium for a particular startup quote. Obtain an itemized cost and compensation explanation from the placing broker. 4,16

RiskCube’s homepage and FAQ advertise no added broker fees, but its compensation disclosure allows agreed service fees and payment-processing charges. It also describes insurer or intermediary commissions and possible performance incentives. The scope of the fee-free claim needs written clarification for the requested services. 19,24,21

Sources

Coalition Official Website

  1. Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage?; Coalition Advantage. Accessed 2026-09-16.
  2. Licenses and Carriers. Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
  3. U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
  4. U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
  5. Executive Risks. Coalition; Product Offering; FAQ: What type of businesses do you protect?; What resources do you have for policyholders?. Accessed 2026-09-16.
  6. Miscellaneous Professional Liability. Coalition; Why Miscellaneous Professional Liability?; MPL Advantage; Broker Benefits. Accessed 2026-09-16.
  7. Active Cyber Insurance. Coalition; Coverage Advantage: breach response, cyber extortion, business interruption. Accessed 2026-09-16.
  8. Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
  9. Cyber Insurance Claims Experience. Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
  10. Where does Coalition offer cyber insurance coverage?. Coalition; United States. Accessed 2026-09-16.
  11. Are there any differences between Coalition’s admitted and surplus lines products?. Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
  12. How to add Tech E&O coverage to a Coalition quote. Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
  13. How do I qualify for and buy cyber insurance from Coalition?. Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
  14. Does Coalition offer Excess coverage?. Coalition; What excess products does Coalition offer, and in what regions?; submissions; claims. Accessed 2026-09-16.
  15. How do Cyber renewals work at Coalition?. Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
  16. How does Coalition make money?. Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
  17. Active Cyber Insurance for Enterprises. Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
  18. Coalition AI Coverage. Coalition; Coverage in Action; Deepfake Response; final disclaimers. Accessed 2026-09-16.

RiskCube Official Website

  1. Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
  2. Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
  3. Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
  4. Terms of Service. RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16.
  5. Startup Insurance Coverage. RiskCube; All coverage types. Accessed 2026-09-16.
  6. Startup Insurance FAQ. RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
  7. Technology Errors and Omissions (E&O) Insurance. RiskCube; Introduction; application FAQ; AI & enterprise risk. Accessed 2026-09-16.
  8. Credit Insurance for Startups. RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
  9. Key Person Life Insurance for Startups. RiskCube; Introduction; timing FAQ; closing placement invitation. Accessed 2026-09-16.
  10. Key Person Life Insurance Notice. RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
  11. Contact RiskCube. RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
  12. Contact RiskCube. RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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