---
title: "RiskCube vs Risklytics D&O Insurance"
description: "RiskCube shops D&O digitally with an AI-exclusion check; Risklytics cites a $1–$3 million typical ask and no extra broker fee."
canonical: "https://spot.insure/compare/riskcube-vs-risklytics/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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[Human-readable page](https://spot.insure/compare/riskcube-vs-risklytics/directors-officers)

# RiskCube vs Risklytics D&O Insurance

RiskCube shops D&O digitally with an AI-exclusion check; Risklytics cites a $1–$3 million typical ask and no extra broker fee.

## Research Scope and Use

Use this comparison to evaluate RiskCube and Risklytics for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

RiskCube is an independent brokerage that compares D&O quotes after a short digital intake and says it checks AI-company policies for AI-related exclusions before binding. Risklytics describes itself as a licensed producer that lists a typical $1 million to $3 million ask for venture-backed companies and says there is no broker fee on top of premium. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## What Is RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [1](https://riskcubeai.com/ "Startup Business Insurance") [2](https://riskcubeai.com/licenses "Licenses & Disclosures") [3](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.risklytics.ai/ "Insurance for Frontier Tech") [7](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [10](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### How You Apply

RiskCube describes a roughly 10-minute digital intake, then licensed brokers comparing carrier quotes, typically within one to two business days. Risklytics starts D&O through its online application and says a licensed producer stays on the file until bind. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

Risklytics’ reviewed sources do not describe a 10-minute intake or a one-to-two-day quote window. RiskCube’s reviewed sources do not describe keeping a named producer on the file until bind. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

### Typical Limits

Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies. RiskCube says needed limits vary by fundraising stage, board composition and investor expectations, and does not publish specific amounts. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

### When Buyers Typically Purchase

RiskCube targets startups raising institutional funding or adding board members, and says investors and boards increasingly require D&O as a closing condition. Risklytics says the norm is buying at or before a startup’s first priced round, since term sheets and incoming board members typically require it as a closing condition. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")

## What to Confirm in D&O Insurance Quotes

- Ask Risklytics whether the $1–$3 million figure is the limit it would market for your round. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")

- Ask RiskCube to show any AI exclusion or sublimit it found in the specimen. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

- Confirm compensation: Risklytics says no fee on top of premium; ask RiskCube how it is paid. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

- Get the issuing insurer from both, which neither D&O page names. [3](https://riskcubeai.com/disclosures "Disclosures & Compensation") [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")

## Offering Details

| Criteria | RiskCube Directors and Officers (D&O) Insurance | Risklytics Directors & Officers Insurance |
| --- | --- | --- |
| Role in This Line | RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| Issuing Insurer | 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| Who It’s For | 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. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |
| Coverage Features | 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). [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: D&O product page coverage explanation..)<br><br>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. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| Limits and Retentions | 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. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Risk Services | 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. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | 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. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |
| Claims Support | The reviewed D&O page does not describe claims handling or a dedicated claims team for this line. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Not found in reviewed sources; scope: D&O product page as read on 2026-09-23..) | Not described in the reviewed sources. |

## Full Comparison

- [RiskCube vs Risklytics](https://spot.insure/compare/riskcube-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [RiskCube vs Risklytics Cyber Insurance](https://spot.insure/compare/riskcube-vs-risklytics/cyber)
- [RiskCube vs Risklytics General Liability Insurance](https://spot.insure/compare/riskcube-vs-risklytics/general-liability)
- [RiskCube vs Risklytics Tech E&O Insurance](https://spot.insure/compare/riskcube-vs-risklytics/technology-errors-omissions)
- [Alliance Risk vs RiskCube D&O Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/directors-officers)
- [Alliance Risk vs Risklytics D&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/directors-officers)
- [Amelia Risk vs RiskCube D&O Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/directors-officers)
- [Amelia Risk vs Risklytics D&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/directors-officers)
- [Beazley vs RiskCube D&O Insurance](https://spot.insure/compare/beazley-vs-riskcube/directors-officers)
- [Beazley vs Risklytics D&O Insurance](https://spot.insure/compare/beazley-vs-risklytics/directors-officers)

## Sources

### RiskCube

1. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
2. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
3. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
4. [Directors & Officers (D&O) Insurance](https://riskcubeai.com/insurance/directors-and-officers). RiskCube; Who needs D&O; Side A/B/C coverage explanation; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. Accessed 2026-09-23.

### Risklytics

5. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
6. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
7. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
8. [Directors & Officers Insurance](https://www.risklytics.ai/lines/management/). Risklytics; Coverage line: Directors & Officers; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
9. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### D&O Insurance Guide

10. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.

Updated 2026-09-24. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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