---
title: "HUB International vs RiskCube: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-riskcube/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-riskcube"
provider-a: "hub-international"
provider-b: "riskcube"
coverage-line: "directors-officers"
---

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

## Agent Guide

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

**Questions this page answers:**
- HUB International vs RiskCube for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, HUB International or RiskCube?
- What does HUB International or RiskCube publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: HUB International 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:**
- [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile

# 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 gets funded startups compared D&O quotes in one to two business days and screens for AI exclusions, while HUB starts with a broker conversation and backs you with claims attorneys.

## HUB International vs RiskCube D&O Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

## 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")

### 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") HUB publishes no exclusion list or AI-wording check. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")
- Ask HUB how its claims attorneys get involved before a claim is filed. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Ask HUB how long quotes take and what documents it needs, to compare with RiskCube's stated timeline. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")
- Neither underwrites or publishes limits, so get the issuing insurer, limits and retentions on both quotes. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [4](https://riskcubeai.com/disclosures "Disclosures & Compensation")

## HUB International vs RiskCube D&O Insurance Compared

| 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [3](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..) |
| How to Apply | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [3](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..) |
| 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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). [3](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. [3](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 | 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [3](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..) |
| 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. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [3](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 HUB International and RiskCube and D&O Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/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 HUB International vs RiskCube D&O Insurance

- [HUB International vs RiskCube](https://spot.insure/compare/hub-international-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.
- [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers)
- [RiskCube D&O Insurance](https://spot.insure/insurance-providers/riskcube/directors-officers)

## Sources for HUB International vs RiskCube D&O Insurance

### Sources About HUB International

1. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
2. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### Sources About RiskCube

3. [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.
4. [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. 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.

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