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

Gallagher's Executive and Financial Risk team designs D&O programs, while RiskCube compares carrier policies for startups raising institutional capital and explains private-company coverage structures.

Gallagher builds D&O for SPACs and companies going public and backs claims with in-house attorneys. RiskCube compares quotes for funded startups after a 10-minute online intake and checks every AI company's policy for AI exclusions or sublimits before binding. ^1,²

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

Going Public vs Raising a Round in a Regulated Sector

Gallagher targets SPACs around IPO and de-SPAC and companies listing by IPO or direct listing, bundling D&O with representations and warranties, E&O, cyber, tax and contingent liability. ¹ RiskCube targets startups raising institutional money or adding board members, especially in AI, fintech, govtech, defense and space, and checks AI companies' policies for exclusions tied to "AI washing" allegations. ² Choose Gallagher if a SPAC, IPO or direct listing is on your calendar; choose RiskCube if you are a funded AI or other regulated-sector startup that wants competing quotes within days. ¹ ²

Claims Attorneys vs Fast Quotes

Gallagher has a dedicated claims-advocacy team with in-house attorneys and benchmarks Side-A-only cover. ¹ RiskCube's intake takes about 10 minutes, covering fundraising, capitalization, board, revenue and prior litigation, and then AI agents and licensed brokers compare quotes, typically within one to two business days. It describes no dedicated D&O claims team. ² Gallagher is stronger when a claim lands; RiskCube is faster getting you covered.

Published Exclusions at RiskCube

RiskCube lists common exclusions: intentional fraud, litigation you knew about before buying, suits between insiders and illegal profit. ² Gallagher publishes no exclusion list. ¹

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

Ask RiskCube which insurer would issue your policy (its disclosures don't name them) and whether any AI exclusion remains after its check. ² ³
Ask RiskCube how the insider-suit and prior-litigation exclusions read on your form. ²
If you are listing, ask Gallagher how Side-A-only benchmarking would apply, and which insurer it would use. ¹
Get limits from both; RiskCube says needs vary by fundraising stage but publishes no amounts, and Gallagher publishes none. ² ¹

Gallagher vs RiskCube D&O Insurance Compared

Gallagher vs RiskCube: D&O Insurance: documented features by provider

Criteria	Gallagher Directors and Officers (D&O) Liability Insurance	RiskCube Directors and Officers (D&O) Insurance
Who It’s For	Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. ¹Company-reported. Group-level executive-and-financial-risk practice page, SPAC and IPO subsections.	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. ²Company-reported. D&O product page "Who needs D&O insurance" section.
Coverage Features	Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. ¹Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement.	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). ²Company-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. ²Company-reported. D&O product page "Common Exclusions" section.
Role in This Line	Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. ¹Company-reported. Group-level executive-and-financial-risk practice page.	RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ²Company-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	The executive-and-financial-risk page does not name the insurer that would issue a given client's D&O policy; it says Gallagher weighs carrier qualifications and performance data alongside a client's own insurer history and preferences when deciding which carriers to approach. ¹Company-reported. Group-level executive-and-financial-risk practice page.	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. ^3,²Company-reported. Company-wide entity and licensing disclosure and the D&O product page as read on 2026-09-23.
Risk Services	For SPACs and IPOs, Gallagher describes bundling D&O coverage before and after the IPO with related lines such as representations and warranties, E&O, cyber, tax and contingent liability coverage, plus risk-management and claims support at each stage. ¹Company-reported. Group-level executive-and-financial-risk practice page, SPAC subsection.	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. ²Company-reported. D&O product page "AI & governance risk" FAQ.