RiskCube D&O Insurance

RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ¹Company-reportedD&O product page footer and general framing of the coverage as "tailored D&O coverage" it provides access to, not a self-underwritten product.

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. ^1,2Company-reportedCompany-wide entity and licensing disclosure and the D&O product page as read on 2026-09-23.

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-reportedD&O product page "Who needs D&O insurance" section.

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-reportedD&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-reportedD&O product page "Common Exclusions" section.

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. ¹Not publicly disclosedD&O product page "How much D&O insurance do startups need" FAQ.

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. ¹Company-reportedD&O product page "AI & governance risk" FAQ.

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. ¹Company-reportedD&O product page process steps and "How fast can we get D and O insurance quotes" FAQ.

The reviewed D&O page does not describe claims handling or a dedicated claims team for this line. ¹Not found in reviewed sourcesD&O product page as read on 2026-09-23.