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
THREE small business insurance: coverage, issuer and buying routes
THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. 5,6
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 8,9,10
Key Differences in D&O Insurance
Standalone Placement or BOP Component
RiskCube compares D&O policies across carriers, while THREE lists Directors and Officers among its BOP coverage categories. A startup seeking carrier options can ask RiskCube to compare them; a small business considering THREE should check whether D&O appears in its actual quote and how that component responds alongside the rest of the package. 4 7
Startup Board Needs and Stated Limits
RiskCube specifically points to institutional fundraising, new board members, and regulated startup sectors as D&O buyers, and says investors may require the coverage at closing. THREE’s product page lists D&O but does not establish that every applicant will receive it; the sample policy says buyer-specific limits and deductibles appear in the quote summary. Founders with a term-sheet deadline can discuss board and investor requirements with RiskCube; a THREE buyer should confirm D&O inclusion and its schedule before relying on the package. 4 7 6
What to Confirm in D&O Insurance Quotes
RiskCube and THREE by Berkshire Hathaway 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 reviewsTHREE by Berkshire Hathaway Review Score
Review Score
2 rated sources
The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsRiskCube vs THREE by Berkshire Hathaway D&O Insurance Compared
RiskCube vs THREE by Berkshire Hathaway: D&O Insurance: documented features by provider
| Criteria | RiskCube Directors and Officers (D&O) Insurance | THREE Business Owners Policy |
|---|---|---|
| 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. 4Company-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. | THREE presents Directors and Officers as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. 7Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant. |
| 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. 3,4Company-reported. Company-wide entity and licensing disclosure and the D&O product page as read on 2026-09-23. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 6Company-reported. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy. |
| 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. 4Company-reported. D&O product page "Who needs D&O insurance" section. | The reviewed product page does not state separate eligibility rules for Directors and Officers; the general quote and advisor route is not proof that a particular business qualifies for it. 7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| 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). 4Company-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. 4Company-reported. D&O product page "Common Exclusions" section. | THREE's Business Owners Policy page lists Directors & Officers among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. 7,6Company-reported. Official THREE package marketing for Directors and Officers. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. |
| 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. 4Not publicly disclosed. D&O product page "How much D&O insurance do startups need" FAQ. | The reviewed public product page does not state a separate limit or deductible for Directors and Officers; THREE says the quote-specific insurance summary lists limits and deductibles. 7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| 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. 4Company-reported. D&O product page "AI & governance risk" FAQ. | Confirm in your quote. |
| 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. 4Company-reported. D&O product page process steps and "How fast can we get D and O insurance quotes" FAQ. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 5Company-reported. This is the route for the overall THREE product. It does not show whether Directors and Officers will be offered for a particular business or whether a customer can bind that line without an issued policy. |
| Claims Support | The reviewed D&O page does not describe claims handling or a dedicated claims team for this line. 4Not found in reviewed sources. D&O product page as read on 2026-09-23. | Confirm in your quote. |
Related Pages for RiskCube vs THREE by Berkshire Hathaway D&O
D&O Insurance Pages for RiskCube and THREE by Berkshire Hathaway
Other Coverage Lines Compared for RiskCube vs THREE by Berkshire Hathaway
Other D&O Insurance Provider Comparisons
Sources for RiskCube vs THREE by Berkshire Hathaway D&O 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.
- Directors & Officers (D&O) Insurance. 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.
Sources About THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form. Accessed 2026-09-30.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy. Accessed 2026-09-30.
- Business Owners Policy - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE. Accessed 2026-09-30.
Sources for the D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
