---
title: "Counterpart vs RiskCube: D&O Insurance"
description: "RiskCube targets D&O at institutionally funded startups, new boards, and regulated sectors; Counterpart publishes separate private-company and nonprofit D&O pages."
canonical: "https://spot.insure/compare/counterpart-vs-riskcube/directors-officers"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "counterpart-vs-riskcube"
provider-a: "counterpart"
provider-b: "riskcube"
coverage-line: "directors-officers"
---

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

## Agent Guide

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

**Questions this page answers:**
- Counterpart vs RiskCube for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Counterpart or RiskCube?
- What does Counterpart or RiskCube publish about D&O Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for D&O Insurance from Counterpart or RiskCube?

**Key facts:**
- Line: D&O Insurance. Providers: Counterpart and RiskCube.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Counterpart vs RiskCube](https://spot.insure/compare/counterpart-vs-riskcube) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile (evidence)
- [Counterpart vs RiskCube Crime Insurance](https://spot.insure/compare/counterpart-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs RiskCube General Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs RiskCube D&O Insurance](https://spot.insure/compare/aig-vs-riskcube/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs RiskCube D&O Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs RiskCube D&O Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/directors-officers) — sibling comparison (other line, or other pair for this line)

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

RiskCube targets D&O at institutionally funded startups, new boards, and regulated sectors; Counterpart publishes separate private-company and nonprofit D&O pages.

## How to Use the Counterpart vs RiskCube D&O Insurance Comparison

Use this comparison to evaluate Counterpart and RiskCube for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Counterpart vs RiskCube D&O Insurance Summary

RiskCube names startups raising institutional funding or adding board members and regulated sectors as D&O audiences; Counterpart markets distinct private-company and nonprofit D&O products. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") [9](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is RiskCube Insurance?

RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. [6](https://riskcubeai.com/ "Startup Business Insurance") [7](https://riskcubeai.com/licenses "Licenses & Disclosures") [8](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## What Is Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [11](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [12](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

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

### Startup and Regulated-Industry Fit

RiskCube targets D&O at startups raising institutional rounds or adding board members and at regulated sectors such as AI, fintech, govtech, defense, and space. Counterpart publishes separate private-company and nonprofit D&O pages, with eligibility depending on the proposed risk and insurer review. A startup in a regulated sector can ask RiskCube what market will consider its exposure; a nonprofit should ask Counterpart which segment is appropriate for its entity. [9](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance")

### Broker and Carrier Roles

RiskCube describes itself as an independent brokerage, while its disclosures say third-party carriers underwrite and issue its policies. Counterpart describes a producer and surplus-lines broker and says businesses access its program through wholesale brokers. These role disclosures identify intermediaries and carriers, not the terms of a D&O contract; buyers should confirm the proposed insurer and compare the actual Side A, B, and C wording. [9](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [8](https://riskcubeai.com/disclosures "Disclosures & Compensation") [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")

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

- Which third-party carrier will underwrite your policy, and what Side A/B/C structure appears in the selected form? [8](https://riskcubeai.com/disclosures "Disclosures & Compensation") [9](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")
- Which Counterpart segment and wholesale broker will submit the risk, and which insurer and declarations will be provided? [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") [5](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")

## Counterpart vs RiskCube D&O Insurance Compared

| Criteria | Private Company and Nonprofit Directors & Officers Liability | RiskCube Directors and Officers (D&O) Insurance |
| --- | --- | --- |
| Role in This Line | Counterpart describes itself as distributing insurance through its producer and surplus-lines broker and says businesses access the program through a wholesale broker. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited pages do not map a particular insurer to a D&O quote or state..) | RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [9](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 | Confirm in your quote. | 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [9](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..) |
| Who It’s For | Counterpart publishes a private-company D&O product page and a separate D&O page for not-for-profit organizations. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: Separate product pages show different marketed segments; eligibility depends on the proposed risk and insurer review..) | 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. [9](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..) |
| Coverage Features | The private-company D&O page describes protection for management-liability claims and includes illustrative coverage and limit examples. [3](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: Illustrations and summaries are not policy terms or an available limit commitment..)<br><br>Counterpart separately markets D&O for not-for-profit organizations. [4](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: The retained page summary does not establish a particular nonprofit’s eligibility or the terms of its policy..) | 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). [9](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. [9](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: D&O product page "Common Exclusions" section..) |
| Limits and Retentions | Confirm in your quote. | 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. [9](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Not publicly disclosed; scope: D&O product page "How much D&O insurance do startups need" FAQ..) |
| Risk Services | Confirm in your quote. | 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. [9](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: D&O product page "AI & governance risk" FAQ..) |
| How to Apply | Confirm in your quote. | 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. [9](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..) |
| Claims Support | Confirm in your quote. | The reviewed D&O page does not describe claims handling or a dedicated claims team for this line. [9](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Not found in reviewed sources; scope: D&O product page as read on 2026-09-23..) |

## Related Pages for Counterpart vs RiskCube D&O Insurance

- [Counterpart vs RiskCube](https://spot.insure/compare/counterpart-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.
- [Counterpart vs RiskCube Crime Insurance](https://spot.insure/compare/counterpart-vs-riskcube/crime)
- [Counterpart vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/employment-practices)
- [Counterpart vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/fiduciary)
- [Counterpart vs RiskCube General Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/general-liability)
- [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers)
- [AIG vs RiskCube D&O Insurance](https://spot.insure/compare/aig-vs-riskcube/directors-officers)
- [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers)
- [Alliance Risk vs RiskCube D&O Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/directors-officers)
- [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers)
- [Amelia Risk vs RiskCube D&O Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/directors-officers)

## Sources for Counterpart vs RiskCube D&O Insurance

### Sources About Counterpart

1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
3. [Private Directors & Officers Liability Insurance](https://yourcounterpart.com/products/do). Counterpart, Inc.; Retained provider source: product page sections on covered organizations, coverage, example limits/retentions and capacity; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
4. [Not-for-Profit Directors & Officers Insurance](https://yourcounterpart.com/products/not-for-profit-do). Counterpart, Inc.; Retained provider source: product page sections on nonprofit eligibility, coverage and underwriting partners; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28.
5. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Sources About RiskCube

6. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
7. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
8. [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.
9. [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.

### Sources for the D&O Insurance Guide

10. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
11. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
12. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Counterpart Review Scores for 2026

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## RiskCube Review Scores for 2026

Review Score: not enough ratings.

RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/riskcube/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/counterpart-vs-riskcube/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)