# RiskCube

> AI\-native insurance brokerage for venture\-backed startups

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Broker |
| Region | NA |
| Headquarters | San Francisco, California, USA |
| Founded | 2024 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | USD 500K (Seed) |

## Overview

RiskCube is an AI-native commercial insurance brokerage based in San
Francisco, California, that serves venture-backed startups and other
growth-stage technology companies in the United States.

The brokerage focuses on technology and venture-backed sectors, including
AI/SaaS, defense, fintech, govtech, space, and Web3 startups. Coverage
lines placed include directors and officers liability, technology errors
and omissions, cyber liability, general liability, commercial crime,
employment practices liability, fiduciary liability, auto liability,
credit insurance, and a dedicated AI-focused liability product. RiskCube
also reviews vendor and client contracts to identify insurance
requirements a startup must meet before closing enterprise deals.

Clients submit a single digital intake form that an AI system uses to
compare quotes across more than 40 AM Best-rated carriers, with a
licensed broker reviewing results before a policy is bound; the company
states it can issue a certificate of insurance within about a day of
binding. RiskCube also offers an API for embedding its comparison and
purchase flow into third-party platforms, along with a pre-investment
insurance due-diligence service for venture capital firms evaluating
portfolio companies. Founded in 2024 by CEO Andrei Craciunescu, a former
Willis Towers Watson risk-analytics professional, the company is a member
of Y Combinator's Fall 2024 cohort and has raised a USD 500K seed round
from Y Combinator and Heavybit.

## Products & services

### RiskCube Comparison Platform

Digital intake form that feeds an AI-driven market scan across more than 40 AM Best-rated carriers, producing side-by-side quote comparisons with exclusion and coverage-gap notes; a licensed broker reviews the results before the client binds coverage.

**Key features:**

- Side\-by\-side comparisons across 40\+ carriers
- Plain\-language exclusion and coverage\-gap analysis
- Licensed broker review prior to binding

### Certificate of Insurance \(COI\) Issuance

Digital certificate generation delivered within about 24 hours of binding, intended to unblock enterprise sales deals that stall on missing proof of insurance.

### Policy Management & Renewal Tracking

Dashboard for managing active policies and tracking upcoming renewal dates.

### Insurance API

API product that lets third-party platforms embed RiskCube's insurance comparison and purchase flow directly into their own product.

*Target users:* Fintech, banking, and vendor\-management platforms

### VC Insurance Due Diligence

Pre-investment insurance-gap review service for venture capital firms evaluating the risk posture of prospective portfolio companies.

### Contract Requirement Review

Review of vendor and client contracts to identify insurance requirements a startup must meet, mapped to available coverage.

## Category & focus

- Subcategories: Quote Comparison, Embedded Insurance
- Insurance verticals: P&C Commercial
- Target customers: Employers

## Links

- Website: <https://riskcube.com>
- Directory profile: <https://insurtechlist.com/companies/riskcube/>
- Disclosures: <https://riskcube.com/disclosures/>
- Y combinator: <https://www.ycombinator.com/companies/riskcube>

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*Last updated: 2026\-08\-06*