--- title: "AIG vs RiskCube: Fiduciary Liability Insurance" description: "RiskCube identifies its fiduciary line as a broker placement and frames investor requirements as a purchase trigger; AIG describes benefit-plan protections." canonical: "https://spot.insure/compare/aig-vs-riskcube/fiduciary" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-riskcube" provider-a: "aig" provider-b: "riskcube" coverage-line: "fiduciary" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/aig-vs-riskcube/fiduciary) ## Agent Guide **What this page is:** Focused comparison of AIG and RiskCube for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about AIG versus RiskCube. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - AIG vs RiskCube for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, AIG or RiskCube? - What does AIG or RiskCube publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from AIG or RiskCube? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: AIG and RiskCube. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [AIG vs RiskCube](https://spot.insure/compare/aig-vs-riskcube) — parent: all coverage lines for this pair - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line - [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence) - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile (evidence) - [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube Cyber Insurance](https://spot.insure/compare/aig-vs-riskcube/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube D&O Insurance](https://spot.insure/compare/aig-vs-riskcube/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube General Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-aon/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-beazley/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-chubb/fiduciary) — sibling comparison (other line, or other pair for this line) # AIG vs RiskCube: How Do They Compare for Fiduciary Liability Insurance? RiskCube identifies its fiduciary line as a broker placement and frames investor requirements as a purchase trigger; AIG describes benefit-plan protections. ## Research Scope and Use Use this comparison to evaluate AIG and RiskCube for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary RiskCube says investors may require fiduciary coverage and lists 401(k), health and stock-option plan mismanagement; AIG lists optional plan-compliance protections. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What Is AIG? AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business") [AIG profile](https://spot.insure/insurance-providers/aig) ## What Is RiskCube Insurance? RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. [4](https://riskcubeai.com/ "Startup Business Insurance") [5](https://riskcubeai.com/licenses "Licenses & Disclosures") [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") [RiskCube profile](https://spot.insure/insurance-providers/riskcube) ## What Is Fiduciary Liability Insurance? Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## Key Differences in Fiduciary Liability Insurance ### Investor Requests and Plan Scope RiskCube’s catalogue says institutional investors often require fiduciary liability and describes claims against directors, officers and plan administrators involving mismanaged 401(k), health and stock-option programs. AIG describes coverage for people overseeing benefit plans and names optional settlor and compliance features. A startup responding to an investor request should compare the required limit and insured parties against the proposed forms rather than treating a catalogue description as proof of compliance. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ### Broker Role and Policy Options RiskCube says its insurance-services entity is an independent brokerage and does not underwrite the policy. AIG markets Fiduciary Edge and related options but does not identify the issuing subsidiary for a particular account. Ask RiskCube which carrier and policy will satisfy the investor requirement, and AIG which entity and extensions will appear on its binder. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What to Confirm in Fiduciary Liability Insurance Quotes - What limits, insureds and plan types does the investor require, and does RiskCube’s carrier form meet them? [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") - Which AIG entity and optional plan protections appear on the proposal? [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## Offering Details | Criteria | AIG Fiduciary Liability Insurance Edge | RiskCube Fiduciary Liability Insurance | | --- | --- | --- | | Role in This Line | AIG markets Fiduciary Liability Insurance Edge and related plan-fiduciary options. AIG’s page describes insurance protection but does not identify the issuing subsidiary for a specific account. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | RiskCube lists Fiduciary Liability Insurance as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail..) | | Who It’s For | AIG describes fiduciary coverage for business executives and people or entities overseeing 401(k), pension and employee welfare plans. The page does not establish eligibility for every plan sponsor or plan type. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | RiskCube's catalogue says fiduciary liability coverage is "required by many institutional investors," positioning it as an investor-driven purchase rather than a coverage every startup is expected to carry from day one. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue marketing description, not an underwriting eligibility rule..) | | Coverage Features | AIG says Fiduciary Edge addresses personal liability imposed on directors, officers and employees who oversee benefit plans and the sponsoring company. It describes certain penalty and compliance-program extensions subject to sublimits and policy terms. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | RiskCube's catalogue describes fiduciary liability as covering directors, officers and plan administrators against claims of mismanaging employee benefit plans, including 401(k) plans, health benefits and stock option programs. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: One-paragraph catalogue card; no policy form or exclusion list was found for this line..) | | Limits and Retentions | The page says some penalties, fees and expenses are subject to sublimits but does not publish a buyer-specific limit schedule. Confirm all sublimits and conditions in the quote and policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [8](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube") (Evidence: Not publicly disclosed; scope: Public pages checked on 2026-09-23; amounts may appear only on an individual quote..) | | Risk Services | AIG describes specialized underwriting and claims teams and lists the IRS Audit Protector program, settlor coverage and an ACA extension as product options. Availability and scope of each option must be confirmed in the issued form. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for Fiduciary Liability (riskcubeai.com/insurance/fiduciary-liability) redirects to a general contact form rather than a dedicated page describing a fiduciary-specific application flow or required intake information. Guessed slugs /insurance/fiduciary and /insurance/fiduciary-insurance both 404. [8](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube") (Evidence: Not found in reviewed sources; scope: Checked on 2026-09-23; the URL may change to a dedicated page later..) | ## Full Comparison - [AIG vs RiskCube](https://spot.insure/compare/aig-vs-riskcube): all coverage lines, business roles, service and claims. - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included. - [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) - [AIG vs RiskCube Cyber Insurance](https://spot.insure/compare/aig-vs-riskcube/cyber) - [AIG vs RiskCube D&O Insurance](https://spot.insure/compare/aig-vs-riskcube/directors-officers) - [AIG vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/employment-practices) - [AIG vs RiskCube General Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/general-liability) - [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary) - [AIG vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-aon/fiduciary) - [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) - [AIG vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-beazley/fiduciary) - [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary) - [AIG vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-chubb/fiduciary) ## Sources ### AIG 1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28. 2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28. 3. [Fiduciary Liability Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability). AIG; Official AIG Fiduciary Liability page, lines 242–274: plan sponsor and fiduciary audience, Fiduciary Edge, example statutory sublimited coverages, IRS Audit Protector, settlor and ACA options, and standard-policy caveat.. Accessed 2026-09-30. ### RiskCube 4. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 5. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 6. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16. 7. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; Fiduciary Liability card: "Covers directors, officers, and plan administrators against claims of mismanagement of employee benefit plans — including 401(k) plans, health benefits, and stock option programs. Required by many institutional investors."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23. 8. [Contact RiskCube](https://riskcubeai.com/insurance/fiduciary-liability). RiskCube; The catalogue's Fiduciary Liability "Learn more" link resolves to a general contact form, not a dedicated fiduciary liability product page. Accessed 2026-09-23. ### Fiduciary Liability Insurance Guide 9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16. 10. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16. 11. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## AIG Reviews Review Score: 4.4 / 10 from 2 rated sources, equally weighted. Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance. - NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best) - Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com) - ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html) - BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews). ## RiskCube Reviews Review Score: not enough ratings. RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/riskcube/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-riskcube/fiduciary.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)