What Is RiskCube Insurance?
RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. 1,2,3
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 5,6
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 8,9
Key Differences in Cyber Insurance
AI-Specific Coverage
RiskCube targets AI and data businesses and says it places affirmative cover for agentic-AI incidents and training-data or model-security issues, including wrap coverage when primary policies exclude AI risk. Simply Business’s reviewed summary discusses security events and privacy-regulation claims, without specifying AI incidents. A company deploying AI should ask whether its actual Simply Business form addresses model or training-data losses rather than relying on the broad cyber label. 4 7
Application and Broker Route
RiskCube combines first-party breach response and recovery costs with third-party liability and describes a digital intake followed by broker comparison. Simply Business offers an online and phone route for select add-on buyers. Ask both who underwrites the quote, how the application handles AI and data exposures, and whether the route produces a bindable policy or only an indication. 4 6
Limits and Policy Wording
RiskCube does not publish standard limits or retentions and says the needed amount depends on contracts, data exposure and revenue; Simply Business gives no cyber amounts in its public summary. Request the contract-required limit, proposed retention, AI wording and insurer name in the quote documents. 4 7
What to Confirm in Cyber Insurance Quotes
- Ask RiskCube to attach the exact AI wording for agentic incidents and training-data/model security, including how any wrap layer responds when primary cyber excludes the event. 4
- Ask Simply Business for the policy form’s treatment of AI-related data incidents, the approved insurer and add-on eligibility; obtain a limit meeting customer contract requirements. 6 4
RiskCube and Simply Business Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
RiskCube Review Score
Review Score
No reviews found
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube reviewsSimply Business Review Score
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsRiskCube vs Simply Business Cyber Insurance Compared
RiskCube vs Simply Business: Cyber Insurance: documented features by provider
| Criteria | RiskCube Cyber Insurance | Cyber liability coverage as an add-on through Simply Business |
|---|---|---|
| Role in This Line | RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. 4Company-reported. Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options. | Confirm in your quote. |
| Issuing Insurer | 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. 3,4Company-reported. Company-wide entity and licensing disclosure and the cyber product page as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | 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. 4Company-reported. Cyber product page "Who needs cyber insurance" section. | Simply Business says cyber is available as an added coverage for select businesses purchasing another business policy, with general liability, professional liability and workers’ compensation given as examples. This is not a universal availability promise. 7Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | 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. 4Company-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. 4Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" section. | The cyber page describes security-event and privacy-regulation claim types as risks that may be covered. This is company education; the policy determines coverage, limits, triggers and exclusions. 7Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | 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. 4Not publicly disclosed. Cyber product page "How much cyber insurance do startups usually purchase" FAQ. | Confirm in your quote. |
| How to Apply | 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. 4Company-reported. Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ. | The page lists a phone quote route for cyber and also describes an online quote tool. Its Terms say availability varies by state, insurer and business details and binding requires panel-member approval. 7,6Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Claims Support | The reviewed cyber page does not describe claims handling or a dedicated claims team for this line. 4Not found in reviewed sources. Cyber product page as read on 2026-09-23. | Confirm in your quote. |
Related Pages for RiskCube vs Simply Business Cyber Insurance
Cyber Insurance Pages for RiskCube and Simply Business
Other Coverage Lines Compared for RiskCube vs Simply Business
Other Cyber Insurance Provider Comparisons
Sources for RiskCube vs Simply Business Cyber Insurance
Sources About RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. 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.
- Cyber Insurance for Startups. RiskCube; Who needs cyber insurance; What is Cyber Liability Insurance; What's covered; "Cyber coverage built for AI and agentic companies"; Common Exclusions; FAQs; application steps. Accessed 2026-09-23.
Sources About Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Cyber Insurance. Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395. Accessed 2026-09-29.
Sources for the Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
