Relm Insurance vs RiskCube D&O Insurance

Relm markets D&O liability as a line brokers can place through Relm for their clients, describing custom coverage rather than a one-size-fits-all policy. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ⁷Company-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.

The reviewed Financial Lines page does not name a specific issuing insurer for D&O placements; Relm's separate legal-information and fronting-partner pages describe Relm Insurance Ltd. and an external fronting insurer generally, not tied to this specific line. ³Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

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. ^6,7Company-reported. Company-wide entity and licensing disclosure and the D&O product page as read on 2026-09-23.

Relm targets companies in disruptive or fast-changing sectors, naming Web3 founders, biotechnology leaders and AI pioneers as examples, and says any company with a board benefits, with startups especially needing it to attract executives. ³Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.

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. ⁷Company-reported. D&O product page "Who needs D&O insurance" section.

Relm says D&O coverage generally protects directors and officers' personal assets by covering legal fees, settlements and financial losses when they are held liable for decisions made managing the company, including claims from shareholders, regulators, competitors or employees. ³Company-reported. Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control.

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). ⁷Company-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. ⁷Company-reported. D&O product page "Common Exclusions" section.

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. ⁷Not publicly disclosed. D&O product page "How much D&O insurance do startups need" FAQ.

The reviewed D&O page does not describe dedicated risk-control, governance-advisory or claims-advocacy services beyond the general coverage description. ³Not found in reviewed sources. Financial Lines page as read on 2026-09-23.

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. ⁷Company-reported. D&O product page "AI & governance risk" FAQ.

Relm sells D&O through insurance brokers (its page says brokers can use Relm to protect clients' leadership teams); it does not describe a direct online quote. ³Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages.

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. ⁷Company-reported. D&O product page process steps and "How fast can we get D and O insurance quotes" FAQ.

Not described in the reviewed sources.

The reviewed D&O page does not describe claims handling or a dedicated claims team for this line. ⁷Not found in reviewed sources. D&O product page as read on 2026-09-23.