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

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

## Agent Guide

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

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

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

# 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 gets funded startups D&O quotes within one to two business days and screens AI companies for exclusions, while Lockton designs larger programs with claims counsel built into the broking team.

## Lockton vs RiskCube D&O Insurance Summary

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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

### 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [3](https://riskcubeai.com/disclosures "Disclosures & Compensation")
- Ask RiskCube who handles your claim if you're sued. [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")
- Ask Lockton which insurers it would approach and which extra people the proposed form insures. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")
- Get limits in writing from both; neither publishes them. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

## Lockton vs RiskCube D&O Insurance Compared

| 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. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Company-reported; scope: 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. [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 | 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). [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Company-reported; scope: 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). [2](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. [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 | 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. [1](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") (Evidence: Company-reported; scope: 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. [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..) |

## About Lockton and RiskCube and D&O Insurance

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

- [Lockton vs RiskCube](https://spot.insure/compare/lockton-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.
- [Lockton D&O Insurance](https://spot.insure/insurance-providers/lockton/directors-officers)
- [RiskCube D&O Insurance](https://spot.insure/insurance-providers/riskcube/directors-officers)

## Sources for Lockton vs RiskCube D&O Insurance

### Sources About Lockton

1. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; What is D&O insurance?; Side A/B/C coverage components; Who can be covered under a D&O program?; Claims management. 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. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/lockton-vs-riskcube/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)