RiskCube Disclosures & Compensation

1) Entity and Licensing Disclosure

RiskCube is the marketing name for RiskCube, Inc. and its subsidiaries and affiliates (the "RiskCube Group").

Insurance products are brokered by RiskCube Insurance Services, LLC ("RiskCube Insurance"), a wholly owned subsidiary of RiskCube, Inc. RiskCube Insurance is licensed as an insurance producer/broker in the states where it offers brokerage services.

RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers and is subject to the terms and conditions of the applicable policy.

2) How RiskCube Is Compensated

RiskCube Insurance is compensated for providing insurance brokerage and related services (including sourcing quotes, facilitating placement, and ongoing policy servicing). Depending on the product and transaction, RiskCube may receive one or more of the following types of compensation:

A. Commissions

RiskCube Insurance typically receives commissions from insurance carriers (or intermediaries) for placing and servicing insurance policies. Commissions are generally calculated as a percentage of the premium and may vary by carrier, product line, limits, and risk characteristics. 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.

B. Contingent / Performance-Based Compensation

RiskCube Insurance may receive contingent or other performance-based compensation from carriers or intermediaries based on overall performance during a period (often annual). Such compensation may consider factors such as premium volume, growth, retention, mix of business, and/or loss or profitability results. Because this compensation is based on aggregate performance, it is generally not attributable to any single customer or policy.

C. Supplemental / Incentive Compensation

Some carriers or intermediaries may provide supplemental or incentive compensation (including fixed incentive amounts) based on performance criteria, which may be established annually.

D. Client Fees (If Applicable)

In some cases, RiskCube may charge a fee for certain services (for example, specialized consulting, policy review support, or dedicated account management), either in addition to or in lieu of commissions. Any such fee will be disclosed to you in writing and agreed to by you before being charged and, where applicable, prior to binding coverage.

E. Other Compensation and Non-Cash Benefits (If Applicable)

From time to time, carriers or intermediaries may provide non-cash benefits such as training, educational events, or marketing support related to insurance products and services.

3) Premium Finance

Premium financing, if offered, is provided by Slash Eureka, Inc., doing business as Ascend ("Ascend"), or one of its affiliates, under separate terms and agreements between you and Ascend. If you choose premium financing, you will enter into a separate financing agreement directly with Ascend, and Ascend's terms will govern the financing arrangement.

RiskCube may assist with facilitating the premium financing workflow. If RiskCube receives any compensation in connection with premium financing, we will disclose it to you as required and before you proceed.

4) Payment Processing and Transaction Fees

If you choose to pay by credit card, debit card, ACH, or other electronic methods, third-party payment processors may charge transaction fees. Where permitted by law and applicable to your transaction, RiskCube may pass through those transaction fees to you. Any applicable transaction fees will be disclosed to you before you complete payment.

Alternative payment methods (such as ACH, wire, or check) may be available depending on the carrier and payment workflow.

5) Potential Conflicts of Interest

Because commission rates, contingent compensation, or incentives may vary by carrier or product, RiskCube may have a financial incentive to place business with certain carriers. We seek to recommend coverage based on your stated needs, risk profile, coverage features, pricing, and other relevant factors—not solely on compensation.

6) Questions and Requests

If you would like additional information about RiskCube's compensation generally or for your specific proposal, placement, or policy, please contact us: