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RiskCube vs Risklytics

Compare AI-gap insurance marketing with a frontier-tech form review when a startup is replacing its first E&O policy.

Introduction

A startup replacing its first E&O policy may encounter both an offer of AI-gap coverage and a promise to scrutinize AI exclusions. RiskCube advertises an excess option for AI gaps; Risklytics emphasizes reviewing technology E&O wording as part of placement. The buyer needs to establish whether the proposed fix is a new underlying policy, an additional layer, or only an advisory review. 7 20

Where Each Provider Shines

Where RiskCube Shines

  • Multi-insurer quote comparisons 1,4,3,5
  • Policy, COI and renewal management 1,4

Where Risklytics Shines

  • Risklytics says it prepares the application from your business description and website for your review. 13
  • Risklytics says it reviews technology E&O wording for AI exclusions before binding. 20

Coverage Comparison

Coverage TypeRiskCubeRisklytics
Commercial propertyNot listedListed 16
CrimeListed 5Not listed
Cyber liabilityListed 5Listed 16
Directors and officersListed 5Listed 16
Employment practices liabilityListed 5Not listed
Fiduciary liabilityListed 5Not listed
General liabilityListed 5Listed 16
Generative AI liabilityListed 5Not listed
Intellectual propertyNot listedListed 16
Key personListed 9Not listed
Technology errors and omissionsListed 7Listed 16
Tools, equipment and inland marineNot listedListed 16
Umbrella and excess liabilityListed 7Listed 16
Workers’ compensationNot listedListed 16

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 RiskCube and Risklytics

An AI Product Label Is Not the Missing Policy Wording

RiskCube markets AI insurance for model errors and related exposures, but its reviewed AI URL showed a contact form and the record does not identify the issuer or specimen wording. Risklytics' review service likewise does not establish what an insurer will cover. Supply both brokers with the existing endorsements and request a written explanation of the proposed replacement or excess relationship; neither marketing description demonstrates that an exclusion has been removed. 5 12 7 20

Compare the Work, Not the Automation Label

RiskCube describes AI-assisted, broker-reviewed quote comparison and contract-requirement review, with terms warning that AI output can be inaccurate. The public application destination inspected for its record was a contact form, not a tested end-to-end purchase. Risklytics says it drafts answers from business information for applicant review. Ask each team to identify the human owner of the operations description and customer-contract analysis. 1 11 6 4 13

Obtain the Fee Agreement Behind the Headline

RiskCube's no-added-broker-fee marketing sits beside a disclosure allowing agreed service and payment-processing charges. Risklytics advertises no extra brokerage fee, while its terms recognize carrier charges and taxes. These statements do not establish equal total cost or the same scope of advice. Ask whether reviewing the old policy, negotiating a replacement and arranging excess cover are covered by the quoted engagement. 6 3 17 15

What to Confirm in Quotes

  • Identify the AI excess insurer and attachment terms, and show exactly how the proposed wording interacts with the underlying policy. 7 20
  • Verify the California route: RiskCube publishes a California P&C identifier, without independent verification; Risklytics' reviewed table does not establish California authority. 2 14
  • Clarify service fees, who signs off the comparison and the insurer's binding confirmation before ending the old arrangement. 3 4 18

Service Comparison

RiskCube vs Risklytics Insurance: documented services and availability

CriteriaRiskCubeRisklytics
Business role

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. 4,3

Risklytics describes itself as a commercial insurance brokerage. Its current legal disclosures identify Risklytics, Inc., doing business as Risklytics Insurance Services, as the producer arranging coverage rather than the insurer. 14,15

Application process

RiskCube describes one digital intake followed by AI-assisted and broker-reviewed quote comparison and digital purchase. The public application URL reviewed displayed a contact form rather than a complete underwriting flow. 1,11

For technology E&O, RiskCube asks for product, customer, revenue and contract details, plus prior claims or known incidents. It qualifies its advertised quote timing by risk profile and underwriting complexity. 7

RiskCube’s terms say quotes are not binders: written confirmation from the insurer or its authorized representative and required conditions must be satisfied before coverage is bound. 4

Risklytics says it drafts an application using your description and public business information, including your website, for you to check and sign. It advertises Slack and email placement updates. The application-preparation process and its speed were not tested. 13

Risklytics says it reviews the application with you, approaches suitable insurers and reads quote wording before making a recommendation. Its FAQ says the insurer binds after you accept a quote; timing varies with the coverage and operation. 18

Fees and compensation

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. 1,6,3

Risklytics advertises no application charge or additional brokerage fee, says carriers pay commission from premiums, and offers to disclose its earnings on request. Its terms separately allow carrier or wholesaler compensation and carrier-set taxes and policy fees. No buyer-specific premium or commission amount is published on the pricing page. 17,15

Servicing and renewals

RiskCube describes platform access for policy management, certificate generation and renewal notifications. A certificate does not change coverage under its terms. 1,4

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. 6,4

Risklytics says a broker remains on the account after placement and certificates can be issued against the binder. Its terms describe portal access to submissions, returned options and coverage records. The reviewed FAQ and contact page do not specify a renewal remarketing commitment or certificate turnaround guarantee. 18,15,19

Risklytics provides a contact form and email support, advertising an email response within a day. That is its stated response target, not a measured service result or emergency claims commitment. 19

Availability

RiskCube’s license disclosure lists RiskCube Insurance Services, LLC with California resident property-and-casualty license 6017028, Delaware license 3004000392 and NPN 21694336. These are company-reported identifiers, not independently verified license status. Product eligibility, insurer and any surplus-lines placement route still require confirmation for a California quote. 2,4

Risklytics publishes agency NPN 22311838 and Massachusetts resident license 3004393145. Its state table, dated September 10, 2026, also lists Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington. These are company-reported identifiers, not independently verified licenses or product eligibility. 14

California is absent from the reviewed agency-license table. A California-authorized producer and product route remain unconfirmed in the reviewed disclosures; this does not establish that Risklytics cannot arrange California coverage. Confirm the responsible producer, authority and insurer for your operation before relying on a quote. 14,15,23

Sources

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.

Risklytics Official Website

  1. Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
  2. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  3. Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9, 12; live HTML retrieved September 16, 2026. Accessed 2026-09-16.
  4. For insurers and wholesale markets. Risklytics; The lines we place; appetite form; Applications that state the exposure. Accessed 2026-09-16.
  5. How pricing and broker fees work. Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
  6. Questions founders ask. Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application?. Accessed 2026-09-16.
  7. Contact a commercial insurance broker. Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
  8. Professional Liability (Tech E&O) insurance. Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
  9. Intellectual Property insurance, explained. Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
  10. Space insurance, explained. Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
  11. Business Name Search. California Department of Insurance; Initial agency-name search form only; no completed provider search or license result. 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.

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