Get Started

Resilience vs RiskCube

Compare Resilience and RiskCube for a growing software company evaluating technology E&O and cyber risk services, with revenue appetite and separate service contracts in view.

Introduction

A software company evaluating cyber insurance may also want to prioritize security spending. Resilience markets both insurance and financial risk-prioritization services, while RiskCube offers a broader startup brokerage catalogue. The choices need not be substitutes: one concerns a specialist insurance and services proposal, the other who arranges the company's overall coverage. The records do not establish that RiskCube can place Resilience products. 3 8 15 14

Where Each Provider Shines

Where Resilience Shines

  • Technology E&O for software, hardware and technology services 4
  • Financial risk prioritization and multi-entity cyber visibility 8,9

Where RiskCube Shines

  • Multi-insurer quote comparisons 11,14,13,15
  • Policy, COI and renewal management 11,14

Coverage Comparison

Coverage TypeResilienceRiskCube
CrimeNot listedListed 15
Cyber liabilityListed 3Listed 15
Directors and officersNot listedListed 15
Employment practices liabilityNot listedListed 15
Fiduciary liabilityNot listedListed 15
General liabilityNot listedListed 15
Generative AI liabilityNot listedListed 15
Key personNot listedListed 19
Technology errors and omissionsListed 4Listed 17
Umbrella and excess liabilityNot listedListed 17

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between Resilience and RiskCube

Check Technology E&O Appetite Before Investing in the Process

Resilience publishes US technology E&O appetite of $25 million–$10 billion in revenue, with software and AI among listed sectors. A smaller startup should ask about an exception before building its plan around that product. That range is not established as the minimum for every Resilience cyber offering. RiskCube markets pre-seed through later-stage businesses, but its audience description does not guarantee insurer acceptance either. 4 3 11

Resilience's cyber and technology E&O products also advertise different limits. Treat those as product descriptions, not an offered limit or a reason to combine the products' maximums into one available tower. 3 4

Security Tools Are Not Extra Insurance Limits

Edge prioritizes security investment by estimated financial impact; Arc addresses multi-entity cyber visibility. Resilience's disclaimer says purchasing insurance is not tied to buying security services. Ask which services are included, which require a separate agreement and who will implement the recommendations. The tools do not supply workers compensation, management liability or other missing insurance sections. 8 9 2

RiskCube's platform description instead covers insurance documents, certificates and renewals, alongside contract support. For a finance team, the distinction is between managing the insurance account and purchasing additional cyber-risk analysis; neither description proves the other task is unnecessary. 16

Separate Distributor, Insurer and Incident Team

Resilience identifies Ocrea Risk Services as its US insurance distributor and names Homeland Insurance Company of New York or Delaware as underwriting insurers. The disclosure does not assign one to a California quote or resolve admitted versus surplus-lines access. RiskCube identifies its brokerage LLC but leaves the issuing companies to the placement. Request all parties by legal name, including any broker connecting the buyer to Resilience. 2 13 14

Resilience describes an in-house claims team and outside incident specialists; RiskCube describes broker advocacy. If both participate, set out the notification and escalation sequence. These operating descriptions do not establish payment outcomes or response performance. 6 16

What to Confirm in Quotes

  • Does the technology E&O revenue appetite apply to the proposed placement, and has any exception been accepted? 4
  • What security services, deliverables and separate charges accompany the insurance, and which personnel must act on the findings? 8 9 2
  • What insurer, California route, incident panel and total broker charges apply? Resilience's reviewed pages do not disclose a standard fee schedule, and RiskCube's disclosures allow fees. 2 5 12 13

Service Comparison

Resilience vs RiskCube: documented services and availability

CriteriaResilienceRiskCube
Business role

Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. 1,3,4

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. 2

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC. Its parent, RiskCube, Inc., supplies the platform and operational support; third-party insurers issue coverage. 14,13

Customer focus

Resilience lists US technology E&O appetite of $25 million–$10 billion in revenue, including software, AI, hardware, technology services, data centers and telecommunications. Smaller startups should ask whether an exception is available. 4

RiskCube markets to venture-backed startups from pre-seed through IPO and to other growing businesses, including small businesses. Its stated sectors include SaaS, AI, fintech, GovTech, space and Web3. 16

Access to insurers

Resilience’s US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriting insurers. It does not specify which would issue a particular California quote. 2

RiskCube says it compares multiple insurers. Its terms permit placements through surplus-lines channels; the reviewed legal disclosures and catalogue do not identify the issuing insurer for a specific California applicant. 11,14,13,15

Servicing and renewals

Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. 8,9

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. 2

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. 5,3,4

RiskCube describes platform access for policy management, certificate generation and renewal notifications. A certificate does not change coverage under its terms. 11,14

RiskCube says it reviews vendor insurance requirements and checks requested endorsements, including additional insured and waiver-of-subrogation language. Its terms warn that AI-assisted output can be incomplete or inaccurate. 16,14

Fees and compensation

The reviewed broker, contact, legal and product pages do not disclose a standard customer fee schedule or insurance commission rates. Request an itemized premium, taxes, placement fees and any separate security-service charges. 5,7,2,10,3,4

RiskCube’s homepage and FAQ advertise no added broker fees, but its compensation disclosure allows agreed service fees and payment-processing charges. It also describes insurer or intermediary commissions and possible performance incentives. The scope of the fee-free claim needs written clarification for the requested services. 11,16,13

Sources

Resilience Official Website

  1. Home Page. Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
  2. Disclaimer. Resilience; Opening paragraphs and USA jurisdiction disclosure. Accessed 2026-09-16.
  3. Cyber Insurance. Resilience; Why choose cyber insurance; Policy coverage; Broad market appetite. Accessed 2026-09-16.
  4. Technology E&O. Resilience; Technology risk categories; Key benefits / A Broad Market Appetite. Accessed 2026-09-16.
  5. Brokers. Resilience; Broker benefits; Use cases; Insurance & risk solutions. Accessed 2026-09-16.
  6. Claims & Incident Response. Resilience; Our difference; Support from start to resolution; Claims panel. Accessed 2026-09-16.
  7. Contact Us. Resilience; Contact us; emergency claims instructions. Accessed 2026-09-16.
  8. Security Investment Prioritization. Resilience; Resilience Edge introduction and Key benefits. Accessed 2026-09-16.
  9. Multi-Entity & Portfolio Risk. Resilience; Resilience Arc introduction. Accessed 2026-09-16.
  10. Terms and Conditions. Resilience; Opening website agreement; separate written agreements. Accessed 2026-09-16.

RiskCube Official Website

  1. Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
  2. Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
  3. Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
  4. Terms of Service. RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16.
  5. Startup Insurance Coverage. RiskCube; All coverage types. Accessed 2026-09-16.
  6. Startup Insurance FAQ. RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
  7. Technology Errors and Omissions (E&O) Insurance. RiskCube; Introduction; application FAQ; AI & enterprise risk. Accessed 2026-09-16.
  8. Credit Insurance for Startups. RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
  9. Key Person Life Insurance for Startups. RiskCube; Introduction; timing FAQ; closing placement invitation. Accessed 2026-09-16.
  10. Key Person Life Insurance Notice. RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
  11. Contact RiskCube. RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
  12. Contact RiskCube. RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

Suggested Comparisons

All Comparisons

Let Spot Handle the Insurance Legwork.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot