Resilience vs RiskCube Cyber Insurance

Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ³Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.

RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ⁹Company-reported. Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options.

Resilience's US disclosure states that cyber insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The disclosure does not say which of the two Homeland entities issues a given policy. ⁴Company-reported. US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including cyber, are underwritten and issued by third-party carriers it does not name; the cyber page itself does not identify an issuing insurer. ^8,9Company-reported. Company-wide entity and licensing disclosure and the cyber product page as read on 2026-09-23.

Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ³Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).

RiskCube targets cyber coverage at AI and data companies, cloud/DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies. ⁹Company-reported. Cyber product page "Who needs cyber insurance" section.

Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ³Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.

RiskCube describes cyber coverage as combining first-party costs such as breach response, ransomware negotiation, forensics and data or asset recovery, with third-party liability for claims by customers, regulators, vendors or partners. ⁹Company-reported. Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections.

RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. ⁹Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" section.

Resilience advertises cyber limits up to $20 million, available on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. The page does not publish minimum limits, retentions or deductibles. ³Company-reported. "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific quote.

RiskCube says needed cyber limits depend on enterprise contract requirements, customer data exposure and revenue, but does not publish specific limit or retention amounts on the product page. ⁹Not publicly disclosed. Cyber product page "How much cyber insurance do startups usually purchase" FAQ.

Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and access to breach-and-attack simulations powered by AttackIQ, in addition to the policy itself. ³Company-reported. "The Resilience Advantage" section of the cyber product page.

Not described in the reviewed sources.

The reviewed cyber product page does not describe a self-service online application or quoting process; it routes visitors to request a quote or watch a product overview rather than showing an application flow. ³Not publicly disclosed. Cyber Insurance product page, accessed 2026-09-23.

RiskCube describes a roughly 10-minute digital intake, then its AI agents and licensed brokers comparing carrier quotes, typically delivering cyber quotes and a vendor-ready certificate of insurance within about 24 hours. ⁹Company-reported. Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ.

Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. ⁵Company-reported. Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified.

The reviewed cyber page does not describe claims handling or a dedicated claims team for this line. ⁹Not found in reviewed sources. Cyber product page as read on 2026-09-23.