RiskCube vs Risklytics D&O Insurance

RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ⁴Company-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.

Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Directors & Officers Insurance with outside carriers; it says it does not underwrite policies itself. ⁵Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

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. ^3,4Company-reported. Company-wide entity and licensing disclosure and the D&O product page as read on 2026-09-23.

Risklytics does not name the carrier that underwrites Risklytics Directors & Officers Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^8,5Company-reported. Lines page and about page; no specific insurer is published for this line.

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. ⁴Company-reported. D&O product page "Who needs D&O insurance" section.

Risklytics says the norm is buying D&O at or before a startup's first priced round, since term sheets and incoming board members typically require it as a closing condition. ⁸Company-reported. Lines page.

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). ⁴Company-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. ⁴Company-reported. D&O product page "Common Exclusions" section.

Risklytics describes D&O as protecting a founder's personal assets when an investor or regulator sues over how the company was run, citing an investor suit after a down round and a regulator inquiry into AI capability claims as examples, and distinguishes it from Tech E&O, which answers a customer's product-failure claim instead. ⁸Company-reported. Lines page; the issued policy and declarations control actual coverage.

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. ⁴Not publicly disclosed. D&O product page "How much D&O insurance do startups need" FAQ.

Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. ⁸Company-reported. Lines page; actual limits are set on the bound policy.

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. ⁴Company-reported. D&O product page "AI & governance risk" FAQ.

Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. ⁸Company-reported. Lines page.

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. ⁴Company-reported. D&O product page process steps and "How fast can we get D and O insurance quotes" FAQ.

You start Risklytics Directors & Officers Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^9,5Company-reported. Pricing page describes the general application and fee process, not a line-specific form.

The reviewed D&O page does not describe claims handling or a dedicated claims team for this line. ⁴Not found in reviewed sources. D&O product page as read on 2026-09-23.

Not described in the reviewed sources.