Relm Insurance vs RiskCube: How Do They Compare for D&O Insurance?

Relm Insurance targets fast-changing industries and sells D&O through brokers, while RiskCube compares carrier policies for startups raising institutional capital.

RiskCube is the faster, more transparent route for AI and other regulated-sector startups: a 10-minute intake, quotes in one to two business days, and an AI-exclusion check before binding. Relm writes custom D&O for Web3, biotech and AI companies, but only through your broker. ^2,¹

What Are the Key Differences Between Relm Insurance and RiskCube D&O Insurance?

Apply Yourself vs Go Through Your Broker

RiskCube targets funded startups and regulated sectors including AI, fintech, govtech, defense and space; you apply online and its brokers compare carriers. Relm names Web3 founders, biotech leaders and AI pioneers as its buyers and sells only through brokers, with no direct quote. Choose RiskCube if you want to start yourself and have quotes within days; choose Relm if you're a Web3 or biotech company and your broker recommends a custom policy. ² ¹

A Stated AI-Exclusion Check vs General Coverage Copy

Both court AI companies, but only RiskCube says it checks every AI-company D&O policy for AI-related exclusions or sublimits before binding. It also lists common exclusions, including disputes between insureds. Relm describes D&O only in general terms: legal fees and settlements for claims from shareholders, regulators, competitors or employees. ² ¹

What Should You Confirm in Relm Insurance and RiskCube D&O Insurance Quotes?

Ask RiskCube what its AI-exclusion check found and how disputes between insureds are treated. ²
Ask your broker which company issues a Relm policy; its page doesn't say. ¹
Ask both who handles a claim; neither page describes a claims team. ¹ ²
Get limits and retentions in writing from both. ² ¹

Relm Insurance vs RiskCube D&O Insurance Compared

Relm Insurance vs RiskCube: D&O Insurance: documented features by provider

Criteria	Relm Directors and Officers Liability Insurance	RiskCube Directors and Officers (D&O) Insurance
Who It’s For	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. ¹Company-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. ²Company-reported. D&O product page "Who needs D&O insurance" section.
How to Apply	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. ¹Company-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. ²Company-reported. D&O product page process steps and "How fast can we get D and O insurance quotes" FAQ.
Coverage Features	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. ¹Company-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). ²Company-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. ²Company-reported. D&O product page "Common Exclusions" section.
Role in This Line	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. ¹Company-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. ²Company-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.