---
title: "Corgi vs RiskCube: D&O Insurance"
description: "Corgi sells its own D&O policy through a self-serve quote, with sample limits of $1 million per claim and $2 million a year. RiskCube compares D&O across insurers after a 10-minute intake and checks every AI company's policy for AI exclusions or sublimits before binding."
canonical: "https://spot.insure/compare/corgi-vs-riskcube/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-riskcube"
provider-a: "corgi"
provider-b: "riskcube"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-riskcube/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Corgi 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 Corgi versus RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs RiskCube for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Corgi or RiskCube?
- What does Corgi or RiskCube publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Corgi 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:**
- [Corgi vs RiskCube](https://spot.insure/compare/corgi-vs-riskcube) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile

# Corgi vs RiskCube: How Do They Compare for D&O Insurance?

RiskCube compares carrier D&O programs and checks AI-company policies for exclusions; Corgi offers an online startup policy with example limits up to $1 million per claim and $2 million in total.

Corgi sells one startup D&O form online with sample $1 million / $2 million limits, while RiskCube compares D&O quotes from several insurers in one to two business days and checks AI companies' policies for AI exclusions.

## Corgi vs RiskCube D&O Insurance Summary

Corgi sells its own D&O policy through a self-serve quote, with sample limits of $1 million per claim and $2 million a year. RiskCube compares D&O across insurers after a 10-minute intake and checks every AI company's policy for AI exclusions or sublimits before binding. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

## What Are the Key Differences Between Corgi and RiskCube D&O Insurance?

### One Form Now vs Several Quotes in Two Days

Corgi quotes its own claims-made D&O form through a self-serve application. RiskCube is an independent broker: after a roughly 10-minute digital intake, its licensed brokers compare quotes from several insurers, typically within one to two business days, and you get proof of coverage about 24 hours after you pick one. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") Choose Corgi if you are an early-stage startup happy with one standard form and sample $1 million limits; choose RiskCube if you are an AI company or want to compare several insurers before you bind. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

### AI Exclusion Check Only at RiskCube

RiskCube says it checks every AI company's D&O policy for AI-related exclusions or sublimits before binding. [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") Corgi's D&O page describes no such check. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") If AI is core to your product, an exclusion could leave your board uncovered for the claims most likely to hit you.

### Posted Limits Only at Corgi

Corgi's sample structure is up to $1 million per claim and $2 million a year, with a $25,000 retention and defense costs inside the limit. RiskCube publishes no limits, so its numbers come only with the quote. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

## What Should You Confirm in Corgi and RiskCube D&O Insurance Quotes?

- Ask RiskCube which insurer would issue the policy (its disclosures don't name them) and whether any AI exclusion or sublimit is on the form. [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [3](https://riskcubeai.com/disclosures "Disclosures & Compensation")
- Ask RiskCube how the exclusion for suits between insiders is worded on the quoted form. [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")
- Compare Corgi's $1 million / $2 million structure with RiskCube's placed limit. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")
- Corgi's policy is issued by Technology Risk Retention Group, Inc., a risk retention group; ask for its financial strength rating. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

## Corgi vs RiskCube D&O Insurance Compared

| Criteria | Corgi Directors & Officers (D&O) | RiskCube Directors and Officers (D&O) Insurance |
| --- | --- | --- |
| How to Apply | You can request a D&O quote online through Corgi's self-serve application. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) | 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. [2](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 | The policy has three coverage parts: Side A pays individual directors and officers directly when the company cannot indemnify them and carries no retention; Side B reimburses the company when it does indemnify directors and officers; Side C covers the company entity itself, subject to additional exclusions including intellectual-property claims and contractual liability. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-DO-0100; the issued policy and declarations control..)<br><br>The standard policy excludes claims from registered public securities offerings, but a carve-back preserves coverage for exempt transactions such as Regulation D private placements, which Corgi says covers how most startups raise capital. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt..)<br><br>Corgi covers individual directors and officers (Sides A and B) who receive a Wells Notice, subpoena or target letter from a regulator, but the standard policy excludes entity-level regulatory investigations of the company itself. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered..) | 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). [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: D&O product page coverage explanation..)<br><br>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. [2](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 | Corgi sells D&O as a standalone startup policy and also bundles it into its stage-based packages starting at pre-seed and seed, describing it as protection for directors and officers against personal financial liability for management decisions. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself..) | RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [2](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 | Corgi's D&O product page states directly that the policy is a claims-made policy underwritten by Technology Risk Retention Group, Inc., a risk retention group. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Policy Boundaries section of the D&O product page; this is a line-specific underwriter statement, distinct from Corgi's general multi-entity disclaimer..) | 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. [3](https://riskcubeai.com/disclosures "Disclosures & Compensation") [2](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 | Corgi offers three optional D&O endorsements: Outside Directorship (extends coverage to directors and officers serving on outside boards at the company's request), Crisis Event Expense (covers PR and crisis-communications costs after negative publicity), and Investigative Costs (broader coverage for regulatory inquiries short of a formal claim). [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply..) | 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. [2](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 Corgi and RiskCube and D&O Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/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 Corgi vs RiskCube D&O Insurance

- [Corgi vs RiskCube](https://spot.insure/compare/corgi-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.
- [Corgi D&O Insurance](https://spot.insure/insurance-providers/corgi/directors-officers)
- [RiskCube D&O Insurance](https://spot.insure/insurance-providers/riskcube/directors-officers)

## Sources for Corgi vs RiskCube D&O Insurance

### Sources About Corgi

1. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). Corgi Insurance; What's Actually Inside Your D&O Policy (form CORG-DO-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.

### Sources About RiskCube

2. [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.
3. [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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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