Embroker vs RiskCube D&O Insurance

Embroker sells D&O as a standalone policy and offers to package it with cyber and workers' compensation; it also says EPLI, D&O and related coverages are sometimes bundled into a management liability program. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ⁸Company-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.

Not described in the reviewed sources.

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. ^7,8Company-reported. Company-wide entity and licensing disclosure and the D&O product page as read on 2026-09-23.

Embroker markets D&O to any private or public company with a board of directors, startups that have received or are about to receive venture capital funding, and nonprofit corporations, saying VC and private equity investors commonly require it before funding. ⁴Company-reported. Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company.

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. ⁸Company-reported. D&O product page "Who needs D&O insurance" section.

Embroker lists coverage for misuse of company funds, misrepresentation of company assets, breach of fiduciary duty, failure to comply with workplace laws and lack of corporate governance. ⁴Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes lawsuits between members of the same company, criminal or deliberately fraudulent activity, prior-knowledge claims, and claims against directors actively engaged in antitrust violations. ⁴Company-reported. Product-page What's not included section.

Embroker structures its D&O policy with three insuring agreements: Side A covers individual directors and officers when the company cannot indemnify them, Side B reimburses the company for indemnifying its leaders, and Side C covers the company itself when it is sued for financial mismanagement. ⁴Company-reported. Product-page 'What are Side A, B, and C insuring agreements?' section; specific policy structure, not a claim about every insurer's D&O form.

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). ⁸Company-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. ⁸Company-reported. D&O product page "Common Exclusions" section.

For its startup package, Embroker publishes illustrative D&O/EPLI/fiduciary limit and retention ranges by funding stage, from roughly $1-2 million in limits with a $10-25k retention for companies raising up to $10 million, up to $8-10 million in limits with a $25-75k retention for companies raising $100-250 million. ⁴Company-reported. Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting.

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. ⁸Not publicly disclosed. D&O product page "How much D&O insurance do startups need" FAQ.

Not described in the reviewed sources.

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. ⁸Company-reported. D&O product page "AI & governance risk" FAQ.

Embroker offers an online quote for D&O coverage through its digital platform, describing underwriting factors including revenue, industry risk and claims history. ⁴Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.

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. ⁸Company-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. ⁸Not found in reviewed sources. D&O product page as read on 2026-09-23.