---
title: "Beazley vs Corgi: Fiduciary Liability Insurance"
description: "Beazley includes settlor-capacity protection and HIPAA sublimits up to $1 million; Corgi’s CORG-FL-0100 excludes settlor acts, ESOPs and multi-employer plans and excludes investigations as Claims."
canonical: "https://spot.insure/compare/beazley-vs-corgi/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "beazley-vs-corgi"
provider-a: "beazley"
provider-b: "corgi"
coverage-line: "fiduciary"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Beazley 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:**
- [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi) — all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

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

Beazley underwrites fiduciary insurance and publishes its limits; Corgi offers fiduciary coverage only in its Growth Stage and Custom startup packages.

Beazley includes settlor-capacity protection and statutory sublimits; Corgi’s CORG-FL-0100 excludes settlor acts, ESOPs, multi-employer plans and DOL investigations as Claims.

## Beazley vs Corgi Fiduciary Liability Insurance Summary

Beazley includes settlor-capacity protection and HIPAA sublimits up to $1 million; Corgi’s CORG-FL-0100 excludes settlor acts, ESOPs and multi-employer plans and excludes investigations as Claims. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

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

### Settlor Acts and Investigations

Beazley includes settlor-capacity protection and a $25,000 sublimit for IRS and DOL voluntary-compliance programs other than HIPAA. Corgi excludes plan-design, amendment and termination decisions, and its form treats a DOL investigation, IRS audit or HHS inquiry as outside the definition of a covered Claim. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

### How the Product Is Sold

Beazley underwrites standalone fiduciary and ExecuGuard. Corgi sells fiduciary only in Growth Stage and Custom packages, not Pre-Seed & Seed or Series A. Corgi quotes online; Beazley lists an ExecuGuard application. Corgi’s fiduciary page does not name the insurer; Beazley’s Fiduciary page also does not name the Beazley issuing entity. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [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")

### Limits on the Public Pages

Beazley advertises limits up to US $20 million plus statutory sublimits including US $1 million for HIPAA claims. 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. Corgi’s form also excludes ESOPs and multi-employer plans; Beazley includes omnibus language intended to cover newly created or acquired plans. Corgi’s page does not describe plan-compliance training beyond optional HIPAA, ERISA civil-penalty and voluntary-compliance endorsements; Beazley includes BeazleySure. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

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

- Ask Corgi which endorsements are on the quote and whether investigation costs remain excluded. [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Ask Beazley whether the quote is standalone or ExecuGuard and whether settlor-capacity is in the clauses. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)")
- Compare HIPAA sublimits versus Corgi’s optional HIPAA endorsement. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Match Corgi’s illustrative $25,000 retention against Beazley’s optional extra defense limit. [3](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary")

## Beazley vs Corgi Fiduciary Liability Insurance Compared

| Criteria | Beazley Fiduciary Liability | Corgi Fiduciary Liability |
| --- | --- | --- |
| Limits and Retentions | Beazley advertises fiduciary limits up to US $20 million, with an optional additional defense limit available; the statutory sublimits described above apply within that overall limit. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Advertised maximum capacity, not a guaranteed quote amount..) | 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 | The Fiduciary page lists a downloadable ExecuGuard application as its Tools & Resources item, rather than a fiduciary-only application. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page Tools & Resources section as read on 2026-09-23..) | 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 | Beazley explains that fiduciary liability protects the individuals responsible for running employee benefit plans, such as health plans, pension plans and 401(k) accounts, from personal liability if a claim is made against the plan, a personal exposure the page says many plan sponsors don't realize they have. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page description; exclusions and conditions are set by the issued policy..)<br><br>The policy includes statutory-claim sublimits of US $250,000 for claims under the Pension Protection Act of 2006, ERISA Section 502(c), Internal Revenue Code Section 4975 and the PPACA, plus a separate US $1,000,000 sublimit for HIPAA claims and up to US $1,000,000 in coverage for HIPAA civil fines. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page sublimit list; these sublimits sit inside, and are lower than, the overall policy limit..)<br><br>Beazley includes "omnibus" pension and welfare plan language, a US $25,000 sublimit for IRS and DOL voluntary compliance programs other than HIPAA, and settlor-capacity protection now written into the fiduciary insuring clauses. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page feature list; actual plan-coverage scope depends on the issued policy wording..) | 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 | Beazley underwrites fiduciary liability coverage for the individuals who administer employer benefit plans, sold standalone on its dedicated Fiduciary page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and employment practices liability. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US fiduciary liability as described on the two reviewed product pages; does not establish which entity issues a particular policy..) | 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 Beazley and Corgi and Fiduciary Liability Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/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 Beazley vs Corgi Fiduciary Liability Insurance

- [Beazley vs Corgi](https://spot.insure/compare/beazley-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.
- [Beazley Fiduciary Liability Insurance](https://spot.insure/insurance-providers/beazley/fiduciary)
- [Corgi Fiduciary Liability Insurance](https://spot.insure/insurance-providers/corgi/fiduciary)

## Sources for Beazley vs Corgi Fiduciary Liability Insurance

### Sources About Beazley

1. [Fiduciary](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/). Beazley; What we offer: personal liability for individuals running benefit plans; Up to US $20,000,000; How can we help: PPA/ERISA/IRC/PPACA and HIPAA sublimits, omnibus plan language, voluntary-compliance sublimit, settlor-capacity protection, BeazleySure; Tools & Resources: Execuguard application. Accessed 2026-09-23.
2. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available. 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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- [Markdown page](https://spot.insure/compare/beazley-vs-corgi/fiduciary.md)
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