RiskCube vs TechInsurance: How Do They Compare for D&O Insurance?

RiskCube compares carrier D&O policies for startups raising institutional capital, while TechInsurance arranges coverage and explains how it can help cover legal costs over management decisions.

RiskCube compares D&O quotes across carriers within one to two business days after a 10-minute intake; TechInsurance publishes a $133 median monthly premium and lets you add D&O to a general liability or business owner's policy. ^1,³

What Are the Key Differences Between RiskCube and TechInsurance D&O Insurance?

Multi-Carrier Comparison vs a Small-Business Price Point

RiskCube targets startups raising institutional rounds or adding board members, especially in AI, fintech, govtech, defense and space, and checks every AI company's D&O for AI exclusions before binding. TechInsurance targets employers with employees or stockholders, venture-backed startups and nonprofits, and prices from your limit, deductible, headcount, revenue and IPO potential. Choose RiskCube if you're an AI or regulated-sector startup that wants several carriers compared fast; choose TechInsurance if you're a small company or nonprofit that wants D&O attached to a policy you already have. ¹ ³

Exclusions You Can Read Up Front

RiskCube lists common exclusions (intentional fraud, prior known litigation, insured-versus-insured disputes and illegal profit) and notes they vary by carrier. TechInsurance says its D&O is claims-made, so the policy must be active when a claim is made, and excludes criminal acts such as fraud or embezzlement. ¹ ³

What Should You Confirm in RiskCube and TechInsurance D&O Insurance Quotes?

Ask RiskCube which carriers quoted and whether any quote carries an AI exclusion. ¹
Ask TechInsurance whether your D&O would be standalone or an endorsement, and which insurer issues it. ³
Check the retroactive date on your TechInsurance quote, since its D&O is claims-made, and ask RiskCube whether each carrier's form is too. ³ ¹

RiskCube vs TechInsurance D&O Insurance Compared

RiskCube vs TechInsurance: D&O Insurance: documented features by provider

Criteria	RiskCube Directors and Officers (D&O) Insurance	TechInsurance Directors and Officers Insurance (D&O)
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. ¹Company-reported. D&O product page "Who needs D&O insurance" section.	TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. ³Company-reported. D&O product page, Who needs D&O insurance coverage? section.
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). ¹Company-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. ¹Company-reported. D&O product page "Common Exclusions" section.	TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ³Company-reported. D&O product page; general policy description, not a specific policy form. TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ³Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.
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. ¹Company-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.	TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ³Company-reported. D&O product page.

Criteria

RiskCube Directors and Officers (D&O) Insurance

TechInsurance Directors and Officers Insurance (D&O)

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. ¹Company-reported. D&O product page "Who needs D&O insurance" section.

TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. ³Company-reported. D&O product page, Who needs D&O insurance coverage? section.

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). ¹Company-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. ¹Company-reported. D&O product page "Common Exclusions" section.

TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ³Company-reported. D&O product page; general policy description, not a specific policy form.

TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ³Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.

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. ¹Company-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.

TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ³Company-reported. D&O product page.