---
title: "RiskCube vs TechInsurance D&O Insurance"
description: "RiskCube shops D&O across carriers after a 10-minute intake; TechInsurance publishes a $133 median and Side A/B/C."
canonical: "https://spot.insure/compare/riskcube-vs-techinsurance/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# RiskCube vs TechInsurance D&O Insurance

RiskCube shops D&O across carriers after a 10-minute intake; TechInsurance publishes a $133 median and Side A/B/C.

## Research Scope and Use

Use this comparison to evaluate RiskCube and TechInsurance 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 digital intake and does not publish limit or premium amounts. TechInsurance arranges D&O as a standalone policy or a GL/BOP endorsement, describes Side A/B/C, and reports a median premium of $133 per month from its book. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## Key Differences in D&O Insurance

### Shopping Multiple Carriers Versus a Quoted Product Path

RiskCube compares D&O across carriers as an independent brokerage and says coverage is issued by unnamed third-party carriers. TechInsurance arranges D&O as a standalone policy or as an endorsement to general liability or a business owner’s policy, and its reviewed sources do not name the issuing insurer. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [3](https://riskcubeai.com/disclosures "Disclosures & Compensation") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

RiskCube’s process is a market comparison after intake. TechInsurance’s path is a product quote that may sit on general liability or a BOP. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

### Structure, Trigger and Exclusions

Both RiskCube and TechInsurance describe Side A, Side B and Side C. TechInsurance adds that Side C is mainly for public-company securities claims and that D&O is claims-made. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

TechInsurance excludes criminal acts such as fraud or embezzlement. RiskCube lists common exclusions including intentional fraud, prior known litigation and insured-versus-insured disputes, and notes that exclusions vary by carrier. RiskCube’s reviewed sources do not label the form claims-made. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

### Price, Speed and Who It Is For

TechInsurance says policyholders pay a median of $133 per month. RiskCube does not publish specific limit or retention amounts and says limits vary by fundraising stage, board composition and investor expectations. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

RiskCube targets startups raising institutional funding or adding board members and describes quotes in one to two business days after a short digital intake. TechInsurance names employers with employees or stockholders, venture-backed startups and nonprofits. RiskCube also says it checks AI-company D&O policies for AI-related exclusions before binding, which TechInsurance’s reviewed sources do not describe. [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## What to Confirm in D&O Insurance Quotes

- Ask whether TechInsurance would bind standalone D&O or an endorsement, and whether RiskCube would shop multiple carriers for the same structure. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

- Treat $133 as TechInsurance’s book median, not your premium. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

- Confirm claims-made retro dates and insured-versus-insured wording on both specimens. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [4](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance")

- Get the issuing insurer from both. [3](https://riskcubeai.com/disclosures "Disclosures & Compensation") [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## Offering Details

| Criteria | RiskCube Directors and Officers (D&O) Insurance | TechInsurance Directors and Officers Insurance (D&O) |
| --- | --- | --- |
| 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..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) |
| 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..) | The reviewed page does not name the issuing insurer for a D&O policy. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Not publicly disclosed; scope: D&O product page as read on 2026-09-23..) |
| 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..) | 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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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). [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..) | 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). [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)<br><br>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. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page, How does directors and officers insurance work? and exclusions sections..) |
| 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..) | TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. [7](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | Not described in the reviewed sources. |
| 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 TechInsurance](https://spot.insure/compare/riskcube-vs-techinsurance): 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 TechInsurance Cyber Insurance](https://spot.insure/compare/riskcube-vs-techinsurance/cyber)
- [RiskCube vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/riskcube-vs-techinsurance/employment-practices)
- [RiskCube vs TechInsurance General Liability Insurance](https://spot.insure/compare/riskcube-vs-techinsurance/general-liability)
- [RiskCube vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/riskcube-vs-techinsurance/technology-errors-omissions)
- [Alliance Risk vs RiskCube D&O Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/directors-officers)
- [Alliance Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/directors-officers)
- [Amelia Risk vs RiskCube D&O Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/directors-officers)
- [Amelia Risk vs TechInsurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/directors-officers)
- [Beazley vs RiskCube D&O Insurance](https://spot.insure/compare/beazley-vs-riskcube/directors-officers)
- [Beazley vs TechInsurance D&O Insurance](https://spot.insure/compare/beazley-vs-techinsurance/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.

### TechInsurance

5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). Accessed 2026-09-23.

### D&O Insurance Guide

8. [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 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/riskcube-vs-techinsurance/directors-officers.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)