RiskCube

AI-native insurance brokerage for venture-backed startups

Distribution & Sales Startup 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.