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

Lockton designs D&O programs that may include related entities, while RiskCube compares carrier policies for startups raising institutional capital.

RiskCube compares D&O quotes for funded startups after a 10-minute online intake, usually within one to two business days, and screens AI companies' policies for AI exclusions. Lockton designs custom programs with claims counsel on your broking team from the start. ^2,¹

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

Fast Startup Quotes vs Designed Programs

RiskCube targets startups raising institutional rounds or adding board members, and AI, fintech, govtech, defense and space companies; it says proof of coverage follows about 24 hours after you pick a quote. Lockton designs and places programs, citing exposures such as AI-related litigation and event-driven claims, and says its policies can reach trustees, employees, contractors, volunteers, spouses and heirs. Choose RiskCube if you're a funded startup that needs D&O fast to close a round; choose Lockton if you're a larger or public company, or a nonprofit, that needs a program designed around its board and people. ² ¹

AI Exclusions vs Claims Advocacy

RiskCube checks every AI company's policy for AI-related exclusions or sublimits before binding, which matters if investors could allege you overstated your AI. Its D&O page says nothing about claims handling. Lockton embeds insurance and claims counsel in your broking team from the start rather than running claims advocacy as a separate profit center. ² ¹

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

Ask RiskCube which carrier issues each quote and whether it has an AI exclusion or sublimit. ² ³
Ask RiskCube who handles your claim if you're sued. ²
Ask Lockton which insurers it would approach and which extra people the proposed form insures. ¹
Get limits in writing from both; neither publishes them. ¹ ²

Lockton vs RiskCube D&O Insurance Compared

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

Criteria	Lockton Directors & Officers (D&O) Insurance Brokerage	RiskCube Directors and Officers (D&O) Insurance
Who It’s For	Lockton says D&O coverage it places can extend beyond directors and officers to trustees, employees, independent contractors, staff, committee members, volunteers, the corporate entity, majority-owned subsidiaries, spouses/domestic partners, and estates/heirs. ¹Company-reported. D&O product page as read 2026-09-23. Describes who can typically be covered under a program Lockton structures, not a guarantee for any specific client.	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	Lockton explains a traditional D&O program in three parts it says it can structure: Side A (direct coverage to individual directors/officers when the company can't indemnify them), Side B (reimbursing the company for indemnifying its D&Os), and Side C (entity coverage, generally limited to securities claims for public companies but broader for private and nonprofit organizations). ¹Company-reported. D&O product page as read 2026-09-23. General educational description of program structure, not a specimen policy 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). 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	Lockton designs and places D&O programs rather than underwriting them, saying effective coverage requires market intelligence, coverage-design precision and staying ahead of emerging risks like AI-related litigation and event-driven claims. ¹Company-reported. D&O product page as read 2026-09-23.	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.

Criteria

Lockton Directors & Officers (D&O) Insurance Brokerage

RiskCube Directors and Officers (D&O) Insurance

Who It’s For

Lockton says D&O coverage it places can extend beyond directors and officers to trustees, employees, independent contractors, staff, committee members, volunteers, the corporate entity, majority-owned subsidiaries, spouses/domestic partners, and estates/heirs. ¹Company-reported. D&O product page as read 2026-09-23. Describes who can typically be covered under a program Lockton structures, not a guarantee for any specific client.

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

Lockton explains a traditional D&O program in three parts it says it can structure: Side A (direct coverage to individual directors/officers when the company can't indemnify them), Side B (reimbursing the company for indemnifying its D&Os), and Side C (entity coverage, generally limited to securities claims for public companies but broader for private and nonprofit organizations). ¹Company-reported. D&O product page as read 2026-09-23. General educational description of program structure, not a specimen policy 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). 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

Lockton designs and places D&O programs rather than underwriting them, saying effective coverage requires market intelligence, coverage-design precision and staying ahead of emerging risks like AI-related litigation and event-driven claims. ¹Company-reported. D&O product page as read 2026-09-23.

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.