Marsh vs 
RiskCube D&O Insurance
Marsh names ESG-related scrutiny as an emerging D&O pressure; RiskCube instead checks every AI-company D&O policy for AI-specific exclusions.
What Is Marsh?
Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. 1,2,3,4
What Is RiskCube Insurance?
RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. 7,8,9
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 11
Key Differences in D&O Insurance
Entity Role
RiskCube's disclosures state plainly that it is not a carrier and does not underwrite, with its products issued by third-party insurers it doesn't name. 10 Marsh describes its financial and professional liability practice placing D&O for public, private and nonprofit clients, without a comparable standalone disclosures statement for this line. 5
Two Different Risk Warnings
RiskCube names a specific review step for one sector:
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. 10Company-reported. D&O product page "AI & governance risk" FAQ.
Marsh's D&O page instead names cyber-related liability exposure generally across organization types, without describing a policy-level AI-exclusion check the way RiskCube does. 5
An Emerging Risk Category Neither Side Shares
Marsh names a specific added pressure on directors and officers, pointing to ESG-related scrutiny over board diversity and executive pay. 5 RiskCube's reviewed page doesn't address ESG-related scrutiny; its exclusions list instead covers intentional fraud, prior known litigation and insured-versus-insured disputes. 10
What to Confirm in D&O Insurance Quotes
- Ask Marsh which entity issues the policy; the reviewed pages don't name one. 5
- Ask RiskCube which carrier it selected for your policy and whether that carrier applies an AI exclusion or sublimit. 10
- If board diversity or executive-pay scrutiny is a concern for your company, ask Marsh how that factors into the placement. 5
- Ask RiskCube for the typical quote turnaround it describes and whether that applies to a company your size. 10
Offering Details
Marsh vs RiskCube D&O Insurance: documented features by provider
| Criteria | Marsh Directors and Officers Liability (D&O) Insurance | RiskCube Directors and Officers (D&O) Insurance |
|---|---|---|
| Role in This Line | Marsh's financial and professional liability practice places D&O insurance for public, private and non-profit companies; MMA also places D&O coverage within its executive and professional liability practice for middle-market clients. 5,6Company-reported. Marsh D&O page and MMA executive and professional liability page. | RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 10Company-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. |
| Issuing Insurer | The reviewed pages do not name a specific D&O insurer. 5,6Not publicly disclosed. Marsh D&O page and MMA executive and professional liability page as read on 2026-09-23. | 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. 9,10Company-reported. Company-wide entity and licensing disclosure and the D&O product page as read on 2026-09-23. |
| Who It’s For | Marsh says public company directors and officers typically face more securities-lawsuit exposure from shareholders and regulators, while private and non-profit organizations more often face employment-practices claims from customers, vendors or regulators; directors and officers of all organization types can face cyber-related liability exposure. 5Company-reported. Marsh D&O page, common risks FAQ. | 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. 10Company-reported. D&O product page "Who needs D&O insurance" section. |
| Coverage Features | Marsh says D&O insurance typically has three coverage sides: Side A protects directors' and officers' personal assets when the organization cannot or will not indemnify them; Side B reimburses the organization for indemnifying directors and officers; Side C offers balance-sheet protection when the entity itself is named, generally limited to securities claims for public companies. 5Company-reported. Marsh D&O page FAQ; illustrative policy structure, not a specific policy form. Marsh says ESG-related stakeholder scrutiny, covering areas such as carbon emissions, renewable-energy use, labor practices, board diversity and executive compensation, can add regulatory, legislative or litigation pressure on directors and officers beyond traditional D&O exposures. 5Company-reported. Marsh D&O page, What other risks do directors and officers face? section. | 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). 10Company-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. 10Company-reported. D&O product page "Common Exclusions" section. |
| Limits and Retentions | Not described in the reviewed sources. | RiskCube says needed D&O limits vary by fundraising stage, board composition and investor expectations, but does not publish specific limit or retention amounts on the product page. 10Not publicly disclosed. D&O product page "How much D&O insurance do startups need" FAQ. |
| Risk Services | Not described in the reviewed sources. | 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. 10Company-reported. D&O product page "AI & governance risk" FAQ. |
| How to Apply | Not described in the reviewed sources. | 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. 10Company-reported. D&O product page process steps and "How fast can we get D and O insurance quotes" FAQ. |
| Claims Support | Not described in the reviewed sources. | The reviewed D&O page does not describe claims handling or a dedicated claims team for this line. 10Not found in reviewed sources. D&O product page as read on 2026-09-23. |
Full Comparison
More Marsh vs RiskCube Comparisons
Other D&O Insurance Comparisons
Sources
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Directors and Officers Liability (D&O). Marsh; Opening positioning for public, private and non-profit companies; FAQs: What are the most common risks for directors and officers?; What does D&O insurance cover? (Side A, B, C); What other risks do directors and officers face?; Ruth Kochenderfer, D&O Product Leader. Accessed 2026-09-23.
- Expert Executive and Professional Liability Insurance. Marsh McLennan Agency; Directors and Officers subsection: covers costs from claims for alleged wrongful acts, including defense costs for civil, criminal and regulatory investigations. Accessed 2026-09-23.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. 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.
- Directors & Officers (D&O) Insurance. 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.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
