Coalition vs 
RiskCube: How Do They Compare for D&O Insurance?
RiskCube compares D&O policies across carriers and checks AI-company forms for exclusions; Coalition distributes Executive Risks through appointed brokers, with private and nonprofit access and up to $10 million per line potentially available.
RiskCube is a broker that compares D&O quotes from several carriers and checks every AI company's policy for AI exclusions before binding. Coalition sells one D&O product through brokers to private companies and nonprofits under 1,000 employees, with limits up to $10 million. 1,3
What Are the Key Differences Between Coalition and RiskCube D&O Insurance?
Several Quotes With an AI Check vs One Product
RiskCube targets startups raising institutional money or adding board members, and regulated sectors such as AI, fintech, govtech, defense and space. It looks for AI-related exclusions or sublimits that could leave an AI company's leaders uncovered. 3 Coalition's D&O is one of four Executive Risks coverages, so a Coalition quote is one set of wording, bought only through an appointed broker, for companies up to $500 million in assets. 1 Choose RiskCube if you're an AI, fintech, defense or space startup raising a round and want several quotes compared; choose Coalition if you're a private company or nonprofit inside its size limits and want HR and risk tools bundled in. 3 1
Ten-Minute Intake vs Built-In Support Tools
RiskCube's online intake takes about 10 minutes (fundraising, cap table, board, revenue and past litigation). AI agents and licensed brokers then compare quotes, usually within one to two business days. It lists common exclusions such as intentional fraud, prior known litigation, insured-versus-insured and illegal profit, which vary by carrier. 3 Coalition includes a customized risk assessment, an HR and director/officer hotline, training, a handbook builder and website tools. 1 RiskCube publishes no limits. 3
What Should You Confirm in Coalition and RiskCube D&O Insurance Quotes?
- Ask RiskCube which carriers are quoting and whether any quote carries an AI exclusion or sublimit. 3 4
- Check your headcount and assets against Coalition's limits. 1
- Ask whether a Coalition policy is issued by Zurich American (admitted) or an unaffiliated surplus-lines insurer. 2
- Compare RiskCube's quoted limits with Coalition's $10 million per-line ceiling. 1
Coalition vs RiskCube D&O Insurance Compared
Coalition vs RiskCube: D&O Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Directors and Officers Liability (D&O) | RiskCube Directors and Officers (D&O) Insurance |
|---|---|---|
| Who It’s For | 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. 1Company-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. 3Company-reported. D&O product page "Who needs D&O insurance" section. |
| How to Apply | Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. 1Company-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. 3Company-reported. D&O product page process steps and "How fast can we get D and O insurance quotes" FAQ. |
| Coverage Features | Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. 1Company-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). 3Company-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. 3Company-reported. D&O product page "Common Exclusions" section. |
| Role in This Line | Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 1Company-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. 3Company-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. |
| Issuing Insurer | 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. 2Company-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. 4,3Company-reported. Company-wide entity and licensing disclosure and the D&O product page as read on 2026-09-23. |
| Risk Services | 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. 1Company-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. 3Company-reported. D&O product page "AI & governance risk" FAQ. |
