On this episode of Scouting For Growth, Sabine VdL sits down with Andrei Craciunescu, Founder and CEO of RiskCube, to explore why the next generation of insurance must be built like software: fast, adaptive, transparent—and embedded directly into how modern businesses operate. Andrei shares what startups really want from insurance today: speed. Especially for venture-backed companies, the old model of waiting weeks (or months) for underwriting decisions simply doesn’t match the pace of business. Founders don’t want endless conversations and back-and-forth emails—they want a quote in minutes, not a process that feels like it belongs in a filing cabinet era. That market gap is exactly why RiskCube exists. Andrei explains how traditional insurance shopping is fragmented and exhausting: founders often have to approach multiple carriers individually, requesting separate quotes that can vary dramatically—sometimes by 40%. Comparing those quotes becomes time-consuming, expensive, and difficult to understand, especially for operators focused on growth. RiskCube changes the experience by acting as an AI-powered insurance agency for startups, allowing customers to buy and manage insurance online through a streamlined, modern interface. The mission isn’t to make insurance “cool”—it’s to make it clear, fast, and trustworthy. Andrei notes that most founders don’t care which carrier is behind the policy; what they care about is having someone (or something) that truly understands their business risk and delivers an experience that works at startup speed. Sabine and Andrei also discuss how AI is reshaping the role of brokers—from a traditional middleman into an intelligent orchestrator. RiskCube is mapping the full agency workflow (applications, renewals, cancellations, claims) and identifying where AI agents can drive real value today. While Andrei is realistic that AI won’t automate the entire insurance value chain overnight, he sees major adoption already happening in applications and claims, where automation can significantly improve speed and efficiency. A key strategic advantage RiskCube is building is defensibility through data. Instead of layering AI onto an existing model, they’ve built the agency foundation first—then embedded technology into it—so they can own the customer relationship, generate proprietary data, and train their own models over time. The conversation also highlights a growing concern in the AI era: many people use AI daily without fully knowing where their data is going or how it’s hosted—making transparency and trust non-negotiable. Looking ahead to 2030, this episode paints a clear future: insurance becoming embedded and invisible, protection built into the platforms businesses already use, and trust emerging as the most valuable asset. Because in the future of insurance, the best experience won’t be the one with the most paperwork—it’ll be the one you barely notice.