---
title: "Marsh vs RiskCube D&O Insurance"
description: "Marsh names ESG-related scrutiny as an emerging D&O pressure; RiskCube instead checks every AI-company D&O policy for AI-specific exclusions."
canonical: "https://spot.insure/compare/marsh-vs-riskcube/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Marsh and RiskCube for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Marsh names ESG-related stakeholder scrutiny as an added pressure on directors and officers, while RiskCube says it checks every AI-company D&O policy for AI-related exclusions or sublimits before binding, a screen tied to a narrower sector. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [10](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

## 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](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## 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](https://riskcubeai.com/ "Startup Business Insurance") [8](https://riskcubeai.com/licenses "Licenses & Disclosures") [9](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [11](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)")

### 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. [10](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)")

### 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") 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](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

## What to Confirm in D&O Insurance Quotes

- Ask Marsh which entity issues the policy; the reviewed pages don't name one. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)")
- Ask RiskCube which carrier it selected for your policy and whether that carrier applies an AI exclusion or sublimit. [10](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")
- If board diversity or executive-pay scrutiny is a concern for your company, ask Marsh how that factors into the placement. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)")
- Ask RiskCube for the typical quote turnaround it describes and whether that applies to a company your size. [10](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

## Offering Details

| 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](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: 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. [10](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..) |
| Issuing Insurer | The reviewed pages do not name a specific D&O insurer. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [6](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Not publicly disclosed; scope: 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [10](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") (Evidence: Company-reported; scope: 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. [10](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 | 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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") (Evidence: Company-reported; scope: Marsh D&O page FAQ; illustrative policy structure, not a specific policy form..)<br><br>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. [5](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") (Evidence: Company-reported; scope: 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). [10](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. [10](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [10](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Not publicly disclosed; scope: 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. [10](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [10](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..) |
| 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. [10](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Not found in reviewed sources; scope: D&O product page as read on 2026-09-23..) |

## Full Comparison

- [Marsh vs RiskCube](https://spot.insure/compare/marsh-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Marsh vs RiskCube Crime Insurance](https://spot.insure/compare/marsh-vs-riskcube/crime)
- [Marsh vs RiskCube Cyber Insurance](https://spot.insure/compare/marsh-vs-riskcube/cyber)
- [Marsh vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-riskcube/employment-practices)
- [Marsh vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-riskcube/fiduciary)
- [Marsh vs RiskCube Tech E&O Insurance](https://spot.insure/compare/marsh-vs-riskcube/technology-errors-omissions)
- [Alliance Risk vs Marsh D&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/directors-officers)
- [Alliance Risk vs RiskCube D&O Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/directors-officers)
- [Amelia Risk vs Marsh D&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/directors-officers)
- [Amelia Risk vs RiskCube D&O Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/directors-officers)
- [Beazley vs Marsh D&O Insurance](https://spot.insure/compare/beazley-vs-marsh/directors-officers)
- [Beazley vs RiskCube D&O Insurance](https://spot.insure/compare/beazley-vs-riskcube/directors-officers)

## Sources

### Marsh

1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). 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.
2. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). 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.
3. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
4. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
5. [Directors and Officers Liability (D&O)](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html). 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.
6. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). 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

7. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
8. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
9. [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.
10. [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.

### D&O Insurance Guide

11. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.

Updated 2026-09-23. 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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