Is RiskCube Legit? Licensing, Carriers and Reliability
RiskCube has no Broker Reliability Score because the information we reviewed is not enough for a numerical score. Reliability Scores rate what we could confirm about a provider’s reliability; they do not predict claims payment.
RiskCube Broker Reliability Score
This partial Broker Reliability Score covers disclosure clarity within the scope described on this page. Those factors make up 15% of the full score, normalized to a ten-point scale. The factors left out remain unknown, and evidence for one program does not describe another.
Scored entity unavailable
What Our Research Found About RiskCube
Role: Broker. Covers: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.
RiskCube Legal Identity
RiskCube Licensing
RiskCube publishes California license 6017028, Delaware license 3004000392 and NPN 21694336, with an effective/updated date of February 11, 2026. The company says it is expanding its licensing footprint; current regulator records and lines were not independently established in this record.3
RiskCube Financial Strength
RiskCube Risk-Bearing Relationships
RiskCube markets AI, cyber, D&O, E&O and other startup coverages, but states that coverage is subject to the actual policy and underwriting. Its terms say no binder or coverage exists until written confirmation by the issuing carrier. The published pages do not identify the carrier or reinsurance arrangement for a generic quote; “40+ top-rated carriers,” fast-bind and similar product-page language is marketing, not exact carrier, rating or coverage-guarantee evidence.1,4,5,3
RiskCube names one intermediary and no insurer. Its disclosures state that commissions “may be paid to RiskCube Insurance by insurance carriers and/or intermediaries such as wholesalers, MGAs, or program administrators (e.g., RT Specialty) in connection with policies placed through those intermediaries,” and that RiskCube may receive contingent or performance-based compensation from carriers or intermediaries based on premium volume, growth, retention, mix of business and loss or profitability results. RT Specialty is a wholesale broker rather than a risk bearer, and the disclosure offers it as an example rather than a complete list of the intermediaries RiskCube uses.2
RiskCube’s other statements about market access name no market. Its insurance catalogue advertises comparison across “40+ top-rated carriers” with carrier comparison tables on each coverage page, and states that RiskCube is not an insurance carrier and does not underwrite insurance. No reviewed RiskCube page names an insurer for any product or state, and no carrier-published record of a RiskCube appointment was located, so no named carrier relationship is evidenced within the scope of this score.1,2
RiskCube Claims and Service
RiskCube’s disclosures provide contact routes and describe commissions, contingent or performance compensation, supplemental or incentive compensation and possible client fees. These are company disclosures about compensation and potential conflicts, not evidence of an issuer, solvency or claims authority. The published pages do not establish claims administration or outcomes.2
RiskCube Regulatory Record
The public evidence is a company-published license disclosure with two named state entries. A current independent license and five-year conduct search is not established in this record; the record does not establish a completed five-year conduct result.3
What We Couldn’t Confirm About RiskCube
- Independent California and Delaware license status/line confirmation is not established in this record.
- Carrier, program, issuer and reinsurance mapping is not public for a generic application.
- Marketing claims about 40+ top-rated carriers or 24-hour binding were not mapped to exact current carriers, ratings or written coverage confirmation.
- Operational financial evidence and claims accountability remain unresolved.
- Five-year conduct search is not established in this record.
- RiskCube names only RT Specialty, and only as an example of a wholesale intermediary that may pay it commission; no insurer is named for any RiskCube placement and the “40+ top-rated carriers” figure is company-reported and unverified.
- No carrier-published directory, appointment record or regulator appointment listing confirming a RiskCube carrier appointment was located in this research.
Regulator Searches for RiskCube
| Jurisdiction | Result | Notes |
|---|---|---|
 California | Company-reported disclosure3 | Current RiskCube page displays 6017028 as resident-state P&C producer/broker license; current authority is not independently established in this record. |
 Delaware | Company-reported disclosure3 | Current RiskCube page displays 3004000392; current authority is not independently established in this record. |
 US/DC | Not researched3 | Company says it is licensed in select states and expanding; No completed five-year conduct result is established for the scope described on this page. |
RiskCube Licenses and Authority Records
These are reviewed authority records for the named legal entities and what they cover. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| RiskCube Insurance Services, LLCCalifornia | State license: 60170283 | Property and casualty producer/broker license; Company-published; California record not independently established in this record |
| RiskCube Insurance Services, LLCDelaware | State license: 30040003923 | Property and casualty producer/broker license; Company-published; Delaware record not independently established in this record |
| RiskCube Insurance Services, LLCUnited States | National Producer Number: 216943363 | National Producer Number displayed by RiskCube; Identifier only; not national authority |
Which Coverage Lines Does RiskCube Offer?
Product pages for the coverage lines RiskCube lists.
Comparisons and Insurance Terms Related to RiskCube
Alliance Risk brokers broad commercial coverage; RiskCube markets AI comparison and excess, but its reviewed materials do not publish the form needed to assess covered losses.
Amelia Risk brokers insurance for consumer-product and technology companies; RiskCube's technology liability and trade-credit options address software obligations and unpaid invoices, separate from product inventory risks.
RiskCube's public materials do not show the AI excess form or issuer; Armilla describes AI liability and warranty products separately.
