--- title: "Coalition vs RiskCube: D&O Insurance" description: "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." canonical: "https://spot.insure/compare/coalition-vs-riskcube/directors-officers" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "coalition-vs-riskcube" provider-a: "coalition" provider-b: "riskcube" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/coalition-vs-riskcube/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Coalition 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 Coalition versus RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Coalition vs RiskCube for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Coalition or RiskCube? - What does Coalition or RiskCube publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: Coalition 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:** - [Coalition vs RiskCube](https://spot.insure/compare/coalition-vs-riskcube) — all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works - [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile # 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 compares D&O quotes for AI, fintech and other regulated startups in one to two business days and screens for AI exclusions, while Coalition sells one D&O product to private companies and nonprofits through brokers. ## Coalition vs RiskCube D&O Insurance Summary 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") ## 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") ### 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") Coalition includes a customized risk assessment, an HR and director/officer hotline, training, a handbook builder and website tools. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") RiskCube publishes no limits. [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") ## 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [4](https://riskcubeai.com/disclosures "Disclosures & Compensation") - Check your headcount and assets against Coalition's limits. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") - Ask whether a Coalition policy is issued by Zurich American (admitted) or an unaffiliated surplus-lines insurer. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") - Compare RiskCube's quoted limits with Coalition's $10 million per-line ceiling. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") ## Coalition vs RiskCube D&O Insurance Compared | 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](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..) | | How to Apply | Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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). [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [3](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 | Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](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..) | | 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. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: D&O product page "AI & governance risk" FAQ..) | ## About Coalition and RiskCube and D&O Insurance - [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/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 Coalition vs RiskCube D&O Insurance - [Coalition vs RiskCube](https://spot.insure/compare/coalition-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. - [Coalition D&O Insurance](https://spot.insure/insurance-providers/coalition/directors-officers) - [RiskCube D&O Insurance](https://spot.insure/insurance-providers/riskcube/directors-officers) ## Sources for Coalition vs RiskCube D&O Insurance ### Sources About Coalition 1. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering: Directors and Officers Liability (D&O) — offers protection for company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders?. Accessed 2026-09-23. 2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23. ### Sources About RiskCube 3. [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. 4. [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). 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