--- title: "RiskCube D&O Insurance" description: "What RiskCube D&O Insurance covers, who it’s for, and how to apply, cited to RiskCube’s own published sources." canonical: "https://spot.insure/insurance-providers/riskcube/directors-officers" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/riskcube/directors-officers) # RiskCube D&O Insurance RiskCube Directors and Officers (D&O) Insurance RiskCube compares D&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. [1](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.) ## 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. [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") [2](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure and the 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. [1](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.) ## 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). [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: 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. [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: D&O product page "Common Exclusions" section.) ## Limits and Retentions - **Not publicly disclosed.** 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. [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Scope: D&O product page "How much D&O insurance do startups need" FAQ.) ## 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. [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Evidence: Company-reported; scope: D&O product page "AI & governance risk" FAQ.) ## 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. [1](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.) ## Claims Support - **Not found in reviewed sources.** The reviewed D&O page does not describe claims handling or a dedicated claims team for this line. [1](https://riskcubeai.com/insurance/directors-and-officers "Directors & Officers (D&O) Insurance") (Scope: D&O product page as read on 2026-09-23.) ## RiskCube D&O Insurance Compared - [RiskCube vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-riskcube/directors-officers) - [RiskCube vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-riskcube/directors-officers) - [RiskCube vs Beazley](https://spot.insure/compare/beazley-vs-riskcube/directors-officers) - [RiskCube vs CFC](https://spot.insure/compare/cfc-vs-riskcube/directors-officers) - [RiskCube vs Chubb](https://spot.insure/compare/chubb-vs-riskcube/directors-officers) - [RiskCube vs Coalition](https://spot.insure/compare/coalition-vs-riskcube/directors-officers) ## Other RiskCube Coverage Lines - [RiskCube Crime Insurance](https://spot.insure/insurance-providers/riskcube/crime) - [RiskCube Cyber Insurance](https://spot.insure/insurance-providers/riskcube/cyber) - [RiskCube General Liability Insurance](https://spot.insure/insurance-providers/riskcube/general-liability) - [RiskCube Generative AI Liability Insurance](https://spot.insure/insurance-providers/riskcube/generative-ai-liability) - [RiskCube Key Person Insurance](https://spot.insure/insurance-providers/riskcube/key-person) - [RiskCube Tech E&O Insurance](https://spot.insure/insurance-providers/riskcube/technology-errors-omissions) ## Related - [RiskCube Profile](https://spot.insure/insurance-providers/riskcube) - [RiskCube Reliability](https://spot.insure/insurance-providers/riskcube/reliability) - [RiskCube Alternatives](https://spot.insure/insurance-providers/riskcube/alternatives) - [Coverage Guide: Directors and officers](https://spot.insure/coverage/directors-officers) ## Sources 1. [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. 2. [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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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