--- title: "Gallagher vs RiskCube: D&O Insurance" description: "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." canonical: "https://spot.insure/compare/gallagher-vs-riskcube/directors-officers" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "gallagher-vs-riskcube" provider-a: "gallagher" 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/gallagher-vs-riskcube/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Gallagher 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 Gallagher versus RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Gallagher vs RiskCube for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Gallagher or RiskCube? - What does Gallagher or RiskCube publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: Gallagher 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 2026-09-25. **Related pages:** - [Gallagher vs RiskCube](https://spot.insure/compare/gallagher-vs-riskcube) — all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works - [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile # 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 is the D&O broker for SPACs and IPOs, with in-house claims attorneys, while RiskCube quotes funded AI, fintech and other regulated startups in one to two business days and screens their policies for AI exclusions. ## Gallagher vs RiskCube D&O Insurance Summary 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") ## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") ### Claims Attorneys vs Fast Quotes Gallagher has a dedicated claims-advocacy team with in-house attorneys and benchmarks Side-A-only cover. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") Gallagher publishes no exclusion list. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [3](https://riskcubeai.com/disclosures "Disclosures & Compensation") - Ask RiskCube how the insider-suit and prior-litigation exclusions read on your form. [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") - If you are listing, ask Gallagher how Side-A-only benchmarking would apply, and which insurer it would use. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") - Get limits from both; RiskCube says needs vary by fundraising stage but publishes no amounts, and Gallagher publishes none. [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") ## Gallagher vs RiskCube D&O Insurance Compared | 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [2](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 | 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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). [2](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. [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 | 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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](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 | 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. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [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 Gallagher and RiskCube and D&O Insurance - [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/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 Gallagher vs RiskCube D&O Insurance - [Gallagher vs RiskCube](https://spot.insure/compare/gallagher-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. - [Gallagher D&O Insurance](https://spot.insure/insurance-providers/gallagher/directors-officers) - [RiskCube D&O Insurance](https://spot.insure/insurance-providers/riskcube/directors-officers) ## Sources for Gallagher vs RiskCube D&O Insurance ### Sources About Gallagher 1. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Directors and Officers (D&O) Liability insurance section; Special-Purpose Acquisition Companies (SPACs) section; IPO and direct listings section; Executive and Financial Risk Practice Summary. 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 2026-09-25. 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