--- title: "RiskCube vs Risklytics: D&O Insurance" description: "Both sell startups D&O online, so pick on what you need to know first: RiskCube quotes in one to two business days and checks AI-company policies for AI exclusions before binding. Risklytics tells you the typical limit ($1 million to $3 million) and adds no broker fee to premium." canonical: "https://spot.insure/compare/riskcube-vs-risklytics/directors-officers" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "riskcube-vs-risklytics" provider-a: "riskcube" provider-b: "risklytics" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/riskcube-vs-risklytics/directors-officers) ## Agent Guide **What this page is:** Focused comparison of RiskCube and Risklytics for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for D&O Insurance questions about RiskCube versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - RiskCube vs Risklytics for D&O Insurance: how do they differ? - Which is better for D&O Insurance, RiskCube or Risklytics? - What does RiskCube or Risklytics publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: RiskCube and Risklytics. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [RiskCube vs Risklytics](https://spot.insure/compare/riskcube-vs-risklytics) — all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile # RiskCube vs Risklytics: How Do They Compare for D&O Insurance? RiskCube compares carrier D&O policies for startups raising institutional capital, while Risklytics Insurance Services focuses on venture-backed startups and cites a typical limit ask of a typical million to $3 million. Both help venture-backed startups buy D&O online; RiskCube adds a pre-bind AI-exclusion check and quotes in one to two business days, while Risklytics publishes a typical $1–3 million limit and charges no broker fee. ## RiskCube vs Risklytics D&O Insurance Summary Both sell startups D&O online, so pick on what you need to know first: RiskCube quotes in one to two business days and checks AI-company policies for AI exclusions before binding. Risklytics tells you the typical limit ($1 million to $3 million) and adds no broker fee to premium. [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") ## What Are the Key Differences Between RiskCube and Risklytics D&O Insurance? ### AI-Exclusion Screen vs Published Limit and Fee Terms Both target startups closing a priced round, when term sheets and new board members typically require D&O. RiskCube, which also serves fintech, govtech, defense and space, checks every AI-company policy for AI-related exclusions or sublimits before binding. Risklytics places with specialist insurers willing to write robotics, autonomy and AI risk and publishes a typical $1–3 million ask. Choose RiskCube if your product is AI and you want the policy wording screened; choose Risklytics if you're in robotics or autonomy, or want a clear limit benchmark and no broker fee. [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") ### Speed vs a Single Producer on Your File RiskCube's intake takes about 10 minutes, quotes typically arrive in one to two business days, and proof of coverage about 24 hours after you choose. Risklytics gives no timeline but keeps one licensed producer on your file until bind and takes its commission from the carrier, not you. [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") ## What Should You Confirm in RiskCube and Risklytics D&O Insurance Quotes? - Ask Risklytics whether $1–3 million is the right limit for your round. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") - Ask RiskCube to show any AI exclusion or sublimit it found. [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") - Ask RiskCube how it's paid; Risklytics says it adds no fee to premium. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") - Ask both which insurer issues the policy; neither names one. [2](https://riskcubeai.com/disclosures "Disclosures & Compensation") [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") ## RiskCube vs Risklytics D&O Insurance Compared | Criteria | RiskCube Directors and Officers (D&O) Insurance | Risklytics Directors & Officers Insurance | | --- | --- | --- | | 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. [1](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. [3](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. [1](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. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](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..) | | 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). [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [1](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. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | | 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. [1](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. [4](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. [2](https://riskcubeai.com/disclosures "Disclosures & Compensation") [1](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. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [4](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..) | | 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. [1](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. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) | ## About RiskCube and Risklytics and D&O Insurance - [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews) - [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews) - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers) ## Related Pages for RiskCube vs Risklytics D&O Insurance - [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): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [RiskCube D&O Insurance](https://spot.insure/insurance-providers/riskcube/directors-officers) - [Risklytics D&O Insurance](https://spot.insure/insurance-providers/risklytics/directors-officers) ## Sources for RiskCube vs Risklytics D&O Insurance ### Sources About RiskCube 1. [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. 2. [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. ### Sources About Risklytics 3. [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. 4. [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. 5. [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. Updated 2026-09-25. 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). 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