---
title: "Alliance Risk vs Corgi: Fiduciary Liability Insurance"
description: "Alliance Risk targets plan sponsors including multi-employer plans and lists DOL audits among typical cover; Corgi’s CORG-FL-0100 fiduciary form is only in Growth Stage and Custom packages and excludes settlor acts, ESOPs and multi-employer plans."
canonical: "https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "alliance-risk-vs-corgi"
provider-a: "alliance-risk"
provider-b: "corgi"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk and Corgi 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 Alliance Risk versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Alliance Risk vs Corgi for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Alliance Risk or Corgi?
- What does Alliance Risk or Corgi publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Alliance Risk and Corgi.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-29.

**Related pages:**
- [Alliance Risk vs Corgi](https://spot.insure/compare/alliance-risk-vs-corgi) — all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — how this coverage works
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

# Alliance Risk vs Corgi: How Do They Compare for Fiduciary Liability Insurance?

Alliance Risk helps employers place fiduciary coverage and review existing policies; Corgi offers fiduciary coverage only in its Growth Stage and Custom startup packages.

Corgi’s CORG-FL-0100 fiduciary coverage is limited to Growth Stage and Custom packages and excludes settlor acts, ESOPs and multi-employer plans; Alliance Risk markets to those plans and lists DOL audits among typical cover.

## Alliance Risk vs Corgi Fiduciary Liability Insurance Summary

Alliance Risk targets plan sponsors including multi-employer plans and lists DOL audits among typical cover; Corgi’s CORG-FL-0100 fiduciary form is only in Growth Stage and Custom packages and excludes settlor acts, ESOPs and multi-employer plans. [1](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") [4](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

## What Are the Key Differences Between Alliance Risk and Corgi Fiduciary Liability Insurance?

### Broker Market Versus Startup Package Form

Alliance Risk markets fiduciary liability to specialist carriers and includes multi-employer and union plans among the sponsors it targets. Corgi includes fiduciary only in Growth Stage and Custom packages, not Pre-Seed & Seed or Series A; its page does not identify the policy issuer. [1](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") [4](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [5](https://www.corgi.insure/disclaimers "Disclaimers & Licensing")

### What Counts as a Claim

Corgi’s standard form CORG-FL-0100 is claims-made and covers ERISA breach claims such as excessive-fee litigation, plan administration errors and late contribution deposits, but excludes settlor acts, ESOPs and multi-employer plans. Corgi says DOL investigations, IRS audits and HHS inquiries are not covered Claims; only a resulting participant lawsuit is, and investigation costs are not covered. Alliance Risk lists DOL audits and penalties as typically covered and targets multi-employer and union plans among other sponsors. [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [1](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance")

### Limits, Deductibles and How You Quote

Corgi shows illustrative limits of up to $1 million per claim and $2 million aggregate, defense inside the limit, and a $25,000 per-claim self-insured retention. Alliance Risk cites deductibles it sees from $5,000 to $50,000 and shared-limit risk in bundled management-liability packages, without publishing a maximum limit. You request a Corgi quote online. Alliance Risk asks for plan type, participants, assets, current coverage, ERISA fidelity-bond status and five-year claims history, and says proposals typically arrive within a few business days. Alliance Risk offers a no-charge existing-policy review; Corgi’s fiduciary page does not describe plan-compliance reviews beyond optional HIPAA, ERISA civil-penalty and voluntary-compliance endorsements. [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [1](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") [2](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together")

## What Should You Confirm in Alliance Risk and Corgi Fiduciary Liability Insurance Quotes?

- Ask Corgi which package tier includes fiduciary and which endorsements are attached. [4](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- If you sponsor a multi-employer plan or need investigation-cost cover, ask both how the quote treats those; Corgi’s standard form excludes them. [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [1](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance")
- Get Alliance Risk’s carrier and whether the fiduciary aggregate is shared. [2](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together")
- Compare Corgi’s illustrative $25,000 retention with Alliance Risk’s observed deductible range. [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [1](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance")

## Alliance Risk vs Corgi Fiduciary Liability Insurance Compared

| Criteria | Alliance Risk Fiduciary Liability Insurance | Corgi Fiduciary Liability |
| --- | --- | --- |
| Limits and Retentions | Alliance Risk states standard fiduciary liability deductibles it sees range from $5,000 to $50,000, with smaller, lower-risk plans qualifying for lower deductibles and higher deductibles reducing premium at the cost of more out-of-pocket exposure in a claim. [1](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page FAQ; illustrative range, not a quote for any particular plan..)<br><br>Alliance Risk says entry-level management-liability packages that bundle fiduciary liability with D&O and EPLI often share a single aggregate limit, so a large D&O or EPLI settlement earlier in the policy year can reduce what is left for a fiduciary claim; it says a specialist broker structures shared versus separate limits to manage that risk. [2](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's discussion of bundled D&O, EPLI and fiduciary programs..) | Corgi shows illustrative fiduciary limits of up to $1 million per claim and $2 million aggregate, with defense costs inside the limit and a $25,000 per-claim self-insured retention. [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary coverage table, described as illustrative..) |
| How to Apply | For a fiduciary liability quote, Alliance Risk asks for the plan type, number of participants, total assets under management, current coverage and limits, whether an ERISA fidelity bond is in place, and a five-year claims history of DOL audits and participant complaints, and says it typically delivers proposals within a few business days. [1](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page, What We Need for Your Quote section; timing is a company estimate, not a guarantee..) | You request a Fiduciary quote through Corgi's online "Get a Fiduciary quote" flow, the same self-serve path Corgi uses for its other startup lines. [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary product page call to action..) |
| Coverage Features | Alliance Risk lists legal defense costs, settlements and judgments, and Department of Labor audits and penalties as typically covered, responding to claims such as excessive-fee litigation and imprudent investment selection; it says criminal and fraudulent acts, bodily injury and property damage, and employee dishonesty (covered instead by an ERISA fidelity bond) are excluded. [1](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page; coverage and exclusions described in general terms, subject to the policy as issued..) | The standard policy (CORG-FL-0100) is claims-made and covers ERISA breach-of-fiduciary-duty claims such as excessive-fee litigation, plan administration errors and late deposit of employee contributions, but excludes settlor acts (plan design, amendment or termination decisions), ESOPs and multi-employer plans from the standard form. [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary coverage table and scenario/policy notes; illustrative summary, not policy wording..)<br><br>Corgi says DOL investigations, IRS audits and HHS inquiries are not covered "Claims" under the standard fiduciary policy; only a resulting participant lawsuit is a covered claim, and investigation costs themselves are not covered. [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary scenario note 3..) |
| Role in This Line | Alliance Risk places fiduciary liability coverage as a broker: it reviews a company's current coverage and markets the risk to carriers that specialize in fiduciary liability. [1](https://joinalliancerisk.com/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page; Alliance Risk does not underwrite the policy itself..) | Corgi sells Fiduciary Liability as part of its Growth Stage and Custom startup packages; it is not included in the Pre-Seed & Seed or Series A package tiers, unlike CGL, D&O, Tech E&O and Cyber. [4](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage package contents as read on 2026-09-23..) |

## About Alliance Risk and Corgi and Fiduciary Liability Insurance

- [Alliance Risk company profile](https://spot.insure/insurance-providers/alliance-risk) · [Alliance Risk customer reviews](https://spot.insure/insurance-providers/alliance-risk/reviews)
- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)

## Related Pages for Alliance Risk vs Corgi Fiduciary Liability Insurance

- [Alliance Risk vs Corgi](https://spot.insure/compare/alliance-risk-vs-corgi): 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.
- [Alliance Risk Fiduciary Liability Insurance](https://spot.insure/insurance-providers/alliance-risk/fiduciary)
- [Corgi Fiduciary Liability Insurance](https://spot.insure/insurance-providers/corgi/fiduciary)

## Sources for Alliance Risk vs Corgi Fiduciary Liability Insurance

### Sources About Alliance Risk

1. [Fiduciary Liability Insurance](https://joinalliancerisk.com/fiduciary-liability-insurance/). Alliance Risk; Fiduciary Liability Insurance: Protecting the People Who Manage Your Plan; What Does Fiduciary Liability Insurance Cover?; What Fiduciary Liability Insurance Does NOT Cover; Who Needs Fiduciary Liability Insurance?; Cost of Fiduciary Liability Insurance; Get Your Fiduciary Liability Risk Review. Accessed 2026-09-23.
2. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; The shared limit problem; How to structure the program as you scale. Accessed 2026-09-23.

### Sources About Corgi

3. [Fiduciary Liability Insurance for Startups](https://www.corgi.insure/fiduciary-liability). Corgi Insurance; What's Actually Inside Your Fiduciary Policy (form CORG-FL-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.
4. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup's Journey: Fiduciary Liability listed only in the Growth Stage and Custom Package tiers. Accessed 2026-09-23.
5. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance; About Corgi; How Insurance Is Provided Through Corgi (Underwriting); Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.

Updated 2026-09-29. 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.

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