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

HUB International brokers D&O for a range of organizations and offers specialist claims support; RiskCube compares carrier policies for startups raising institutional capital.

RiskCube takes a 10-minute online intake and compares D&O quotes for funded startups, checking AI companies' policies for AI exclusions before binding. HUB starts with a broker conversation, covers private, nonprofit and public companies, and has attorneys who help with claims. ^1,³

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

Fast Startup Comparison vs Broker With Claims Attorneys

RiskCube asks about fundraising, cap table, board, revenue and past litigation, then AI agents and licensed brokers compare quotes, usually within one to two business days. It targets startups raising institutional money or adding board members, and regulated sectors such as AI, fintech, govtech, defense and space, noting investors often require D&O to close. ³ HUB's D&O page sends you to a broker, and its ProEx practice has a Claims & Legal Risks Group of attorneys for D&O and related coverages. ¹ ² Choose RiskCube if you're an AI, fintech, defense or space startup that needs quotes fast to close a round; choose HUB if you're a nonprofit or public company, or want attorneys on your side when a claim comes in. ³ ¹

Exclusions You Can Check Up Front

RiskCube lists common exclusions (intentional fraud, prior known litigation, disputes between insureds and illegal profit) and looks for AI-related exclusions or sublimits. It doesn't describe how it helps with claims. ³ HUB publishes no exclusion list or AI-wording check. ²

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

If you're an AI or dual-use company, ask RiskCube to show you the AI-exclusion and insured-versus-insured wording. ³
Ask HUB how its claims attorneys get involved before a claim is filed. ²
Ask HUB how long quotes take and what documents it needs, to compare with RiskCube's stated timeline. ¹ ³
Neither underwrites or publishes limits, so get the issuing insurer, limits and retentions on both quotes. ¹ ⁴

HUB International vs RiskCube D&O Insurance Compared

HUB International vs RiskCube: D&O Insurance: documented features by provider

Criteria	HUB International Directors and Officers Insurance Brokerage	RiskCube Directors and Officers (D&O) Insurance
Who It’s For	HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. ¹Company-reported. D&O product page target-market description; not an underwriting appetite statement.	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. ³Company-reported. D&O product page "Who needs D&O insurance" section.
How to Apply	HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. ¹Company-reported. D&O product page 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. ³Company-reported. D&O product page process steps and "How fast can we get D and O insurance quotes" FAQ.
Coverage Features	HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. ¹Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. ¹Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.	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). ³Company-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. ³Company-reported. D&O product page "Common Exclusions" section.
Role in This Line	HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. ^1,²Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.	RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ³Company-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.
Risk Services	HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. ²Company-reported. ProEx page team and services description; not specific to a single D&O engagement.	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. ³Company-reported. D&O product page "AI & governance risk" FAQ.