---
title: "Beazley vs RiskCube: Fiduciary Liability Insurance"
description: "Beazley advertises fiduciary limits up to $20 million and publishes statutory terms; RiskCube lists the line for startups and says institutional investors often require it."
canonical: "https://spot.insure/compare/beazley-vs-riskcube/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "beazley-vs-riskcube"
provider-a: "beazley"
provider-b: "riskcube"
coverage-line: "fiduciary"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Beazley and RiskCube.
- 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 RiskCube](https://spot.insure/compare/beazley-vs-riskcube) — 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
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile

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

Beazley underwrites fiduciary insurance for plan administrators; RiskCube lists it in a startup catalogue and describes coverage for directors, officers, and plan administrators.

Beazley underwrites fiduciary with advertised capacity up to $20 million; RiskCube lists it in a startup catalogue and says institutional investors often require the coverage.

## Beazley vs RiskCube Fiduciary Liability Insurance Summary

Beazley advertises fiduciary limits up to $20 million and publishes statutory terms; RiskCube lists the line for startups and says institutional investors often require it. [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)") [3](https://riskcubeai.com/insurance "Startup Insurance Coverage")

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

### Underwritten Form Versus Catalogue Placement

Beazley underwrites fiduciary liability, including inside ExecuGuard. RiskCube lists the line through an independent brokerage and does not underwrite the policy; neither product page identifies the policy issuer. [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)") [3](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### Why a Startup Would Buy It

Beazley presents the product as personal-liability protection for people running benefit plans. RiskCube’s catalogue says fiduciary liability is required by many institutional investors, framing it as an investor-driven purchase rather than a day-one startup default. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### Coverage Detail on Public Pages

Beazley publishes HIPAA and other statutory sublimits, omnibus plan language and settlor-capacity protection. RiskCube’s catalogue describes coverage for directors, officers and plan administrators against claims of mismanaging 401(k) plans, health benefits and stock-option programs, without those sublimit figures. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### How You Reach a Quote

Beazley lists a downloadable ExecuGuard application as its fiduciary tool. RiskCube’s catalogue “Learn more” link for fiduciary liability redirects to a general contact form rather than a dedicated fiduciary application page; the reviewed RiskCube pages also do not publish limits. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://riskcubeai.com/insurance "Startup Insurance Coverage") [4](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube")

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

- Ask RiskCube which carrier would issue the policy and whether Beazley is available. [3](https://riskcubeai.com/insurance "Startup Insurance Coverage") [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary")
- Compare Beazley’s advertised US $20 million capacity with RiskCube’s quote; RiskCube’s reviewed pages do not publish a fiduciary limit. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- Confirm whether stock-option programs RiskCube mentions sit inside Beazley’s omnibus plan language on the specimen. [3](https://riskcubeai.com/insurance "Startup Insurance Coverage") [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary")
- Ask how investor requirements RiskCube cites map to Beazley’s HIPAA and voluntary-compliance sublimits. [3](https://riskcubeai.com/insurance "Startup Insurance Coverage") [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary")

## Beazley vs RiskCube Fiduciary Liability Insurance Compared

| Criteria | Beazley Fiduciary Liability | RiskCube Fiduciary Liability Insurance |
| --- | --- | --- |
| 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..) | 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. [3](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..) |
| 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..) | 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. [3](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..) |

## About Beazley and RiskCube and Fiduciary Liability Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews)
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)

## Related Pages for Beazley vs RiskCube Fiduciary Liability Insurance

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

## Sources for Beazley vs RiskCube 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 RiskCube

3. [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.
4. [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.

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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