Coalition vs RiskCube D&O Insurance

Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.

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.

Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific D&O policy depends on the placement route. ⁵Company-reported. U.S. Disclaimers page as read on 2026-09-23.

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.

Coalition says Executive Risks products, including D&O, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23.

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.

Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. ⁴Company-reported. Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms.

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.

Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including D&O, subject to exclusions and limitations. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.

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.

Coalition says Executive Risks policyholders, including D&O buyers, get a customized risk assessment, a hotline for assistance with HR and director/officer-related issues, employee training, a handbook builder, and website compliance tools. ⁴Company-reported. Executive Risks page and FAQ as read on 2026-09-23.

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.

Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.

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.