---
title: "Beazley vs StartupInsurance.ai: Fiduciary Liability Insurance"
description: "StartupInsurance.ai says it checks fiduciary forms for a blanket AI exclusion added by one major carrier; Beazley publishes statutory sublimits and BeazleySure."
canonical: "https://spot.insure/compare/beazley-vs-startupinsurance/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "beazley-vs-startupinsurance"
provider-a: "beazley"
provider-b: "startupinsurance"
coverage-line: "fiduciary"
---

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

## Agent Guide

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

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

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

# Beazley vs StartupInsurance.ai: How Do They Compare for Fiduciary Liability Insurance?

Beazley underwrites fiduciary liability for plan administrators; StartupInsurance.ai lists the line in its startup program and offers a free policy check for AI exclusions in fiduciary forms.

Beazley publishes fiduciary statutory sublimits; StartupInsurance.ai places the line for startups and says it checks renewals for a blanket AI exclusion used by one major carrier.

## Beazley vs StartupInsurance.ai Fiduciary Liability Insurance Summary

StartupInsurance.ai says it checks fiduciary forms for a blanket AI exclusion added by one major carrier; Beazley publishes statutory sublimits and BeazleySure. [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://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What Are the Key Differences Between Beazley and StartupInsurance.ai Fiduciary Liability Insurance?

### How to Start a Quote

Beazley provides a downloadable ExecuGuard application. StartupInsurance.ai’s intake lets startups request fiduciary together with D&O, tech E&O and cyber, which can put several company policies into one quote request. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [4](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

### Form Features Versus Exclusion Screening

Beazley publishes HIPAA and other statutory sublimits, omnibus plan language and settlor-capacity protection. StartupInsurance.ai says one major carrier added a blanket AI exclusion to fiduciary forms, typically at renewal inside an endorsement, and that it checks policies for that exclusion. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### Ongoing Review of Existing Policies

Beazley attaches BeazleySure loss-prevention content to fiduciary policies. StartupInsurance.ai’s free policy check reviews an existing program for AI exclusions within 48 hours and specifically names fiduciary as one of the forms affected by that trend. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What Should You Confirm in Beazley and StartupInsurance.ai Fiduciary Liability Insurance Quotes?

- Ask StartupInsurance.ai which carrier would issue fiduciary coverage and whether Beazley is available. [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary")
- Confirm whether any AI exclusion StartupInsurance.ai screens for appears on a Beazley specimen. [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary")
- Compare Beazley’s advertised US $20 million limit with the StartupInsurance.ai quote. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [4](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")
- Ask whether fiduciary is quoted standalone or only with other startup lines on StartupInsurance.ai’s intake. [4](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

## Beazley vs StartupInsurance.ai Fiduciary Liability Insurance Compared

| Criteria | Beazley Fiduciary Liability | StartupInsurance.ai Fiduciary Liability Insurance |
| --- | --- | --- |
| 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..) | "Fiduciary" is one of seven coverage boxes on StartupInsurance.ai's online quote-intake screen, described there as covering "claims related to employee benefit plan management." [4](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) |
| 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..) | StartupInsurance.ai says one major carrier added a blanket AI exclusion to fiduciary forms (along with D&O and E&O), typically arriving at renewal inside an endorsement, and that it checks policies for this exclusion. [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed fiduciary policy carries this specific endorsement..) |
| 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..) | StartupInsurance.ai names fiduciary liability as one of the lines its startup program places, alongside general liability, D&O, tech E&O, cyber, employment practices and crime. [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Coverage: What we place" list as read on 2026-09-23..) |
| Risk Services | Fiduciary policyholders get free access to BeazleySure, Beazley's online risk-management platform, which the Fiduciary page describes as providing loss-prevention content on employee-benefits topics. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page service description; actual entitlements depend on the policy purchased..) | StartupInsurance.ai's free policy check reviews an existing program for AI exclusions within 48 hours, and the homepage specifically calls out fiduciary as one of the forms affected by the AI-exclusion trend it checks for. [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy..) |

## About Beazley and StartupInsurance.ai and Fiduciary Liability

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

## Related Pages for Beazley vs StartupInsurance.ai Fiduciary Liability

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

## Sources for Beazley vs StartupInsurance.ai

### 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 StartupInsurance.ai

3. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Coverage: What we place; Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); The free policy check. Accessed 2026-09-23.
4. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Fiduciary — “Covers claims related to employee benefit plan management”. 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-startupinsurance/fiduciary.md)
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