--- title: "Marsh vs RiskCube: D&O Insurance" description: "RiskCube compares D&O quotes from several carriers after a 10-minute online intake, usually within one to two business days, and checks AI companies' policies for AI exclusions. Marsh places D&O for public, private and nonprofit organizations, including public boards facing securities suits." canonical: "https://spot.insure/compare/marsh-vs-riskcube/directors-officers" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "marsh-vs-riskcube" provider-a: "marsh" provider-b: "riskcube" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/marsh-vs-riskcube/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Marsh 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 Marsh versus RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Marsh vs RiskCube for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Marsh or RiskCube? - What does Marsh or RiskCube publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: Marsh 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:** - [Marsh vs RiskCube](https://spot.insure/compare/marsh-vs-riskcube) — all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works - [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile # Marsh vs RiskCube: How Do They Compare for D&O Insurance? Marsh describes a three-part D&O policy for public-company leaders, while RiskCube compares carrier policies for startups raising institutional capital and explains typical policy terms. RiskCube gets a funded startup competing D&O quotes in one to two business days and screens AI companies' policies for AI exclusions, while Marsh is a large broker for public, private and nonprofit boards. ## Marsh vs RiskCube D&O Insurance Summary RiskCube compares D&O quotes from several carriers after a 10-minute online intake, usually within one to two business days, and checks AI companies' policies for AI exclusions. Marsh places D&O for public, private and nonprofit organizations, including public boards facing securities suits. [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") ## What Are the Key Differences Between Marsh and RiskCube D&O Insurance? ### Fast Startup Quotes vs Broker for Every Kind of Board RiskCube targets startups raising institutional rounds or adding board members, plus AI, fintech, govtech, defense and space companies, and says proof of coverage follows about 24 hours after you pick a policy. Marsh says public-company boards mainly face securities suits, while private and nonprofit boards more often face employment-practices claims, and its middle-market arm, Marsh McLennan Agency, also places D&O. Choose RiskCube if you're a startup in AI or a regulated sector that needs D&O to close a round quickly; choose Marsh if you're public or preparing to be, or a nonprofit that wants a large broker. [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") ### Which Emerging Risks Each Watches RiskCube's AI review targets "AI washing" allegations and oversight claims before you bind. Marsh flags ESG scrutiny, from carbon emissions to board diversity and executive pay, and cyber-related liability for directors of any organization. [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") ## What Should You Confirm in Marsh and RiskCube D&O Insurance Quotes? - Ask RiskCube which carrier issues each quote and who handles claims; its D&O page describes neither. [4](https://riskcubeai.com/disclosures "Disclosures & Compensation") [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") - Ask Marsh which insurers it will approach, the limit it recommends and how the form treats ESG-related claims. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") ## Marsh vs RiskCube D&O Insurance Compared | Criteria | Marsh Directors and Officers Liability (D&O) Insurance | RiskCube Directors and Officers (D&O) Insurance | | --- | --- | --- | | 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. [1](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. [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..) | | 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. [1](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..)

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. [1](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). [3](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/directors-and-officers-liability.html "Directors and Officers Liability (D&O)") [2](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. [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..) | ## About Marsh and RiskCube and D&O Insurance - [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/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 Marsh vs RiskCube D&O Insurance - [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): 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. - [Marsh D&O Insurance](https://spot.insure/insurance-providers/marsh/directors-officers) - [RiskCube D&O Insurance](https://spot.insure/insurance-providers/riskcube/directors-officers) ## Sources for Marsh vs RiskCube D&O Insurance ### Sources About Marsh 1. [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. 2. [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. ### 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/marsh-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)