Chubb vs 
Corgi: How Do They Compare for Fiduciary Liability Insurance?
Chubb underwrites fiduciary liability for private companies through ForeFront Portfolio 3.0; Corgi offers fiduciary coverage only in its Growth Stage and Custom startup packages.
Chubb includes the employee benefit plan itself among ForeFront fiduciary insureds; Corgi offers the line only in Growth Stage and Custom packages and excludes settlor acts, ESOPs, multi-employer plans and government investigations as Claims. 1,3
What Are the Key Differences Between Chubb and Corgi Fiduciary Liability Insurance?
Private-Company Portfolio Versus Startup Package
Chubb underwrites fiduciary within ForeFront Portfolio 3.0 for privately owned companies. Corgi offers the line only in Growth Stage and Custom packages, leaving it out of Pre-Seed & Seed and Series A tiers. 1 2 4
Settlor Acts and Who Counts as a Claim
Chubb lists wrongful benefit denials or changes, prohibited transactions and plan-administration failures and insures the company, executives, employees and the benefit plan. Corgi publishes a more specific standard-form scope: 1
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. 3Company-reported. Fiduciary coverage table and scenario/policy notes; illustrative summary, not policy wording.
Corgi says DOL investigations, IRS audits and HHS inquiries are not covered “Claims”; Chubb’s public allegation list does not resolve that issue, so ask whether its quote pays investigation costs before a participant lawsuit. 1 3
Limits Shown in Public Materials
Chubb’s reviewed page does not publish fiduciary limits or retentions. Corgi shows illustrative limits of up to $1 million per claim and $2 million aggregate, with defense inside the limit and a $25,000 per-claim self-insured retention. 1 3
How You Buy
Chubb places the coverage as part of ForeFront, which agents and brokers can quote and issue through Chubb Marketplace. Corgi uses an online “Get a Fiduciary quote” flow, the same self-serve path as its other startup lines. 2 3
What Should You Confirm in Chubb and Corgi Fiduciary Liability Insurance Quotes?
- Ask Corgi whether HIPAA, ERISA civil-penalty or voluntary-compliance endorsements are on the quote; the reviewed page treats those as optional. 3
- Confirm whether Chubb’s specimen covers settlor-type decisions that Corgi’s standard form excludes. 1 3
- Compare Corgi’s illustrative $1 million / $2 million figures with the Chubb Marketplace limit. 3 2
- Get the issuing insurer: Corgi’s disclaimers say it depends on product, jurisdiction and risk; Chubb writes ForeFront on its own paper. 5 1
Chubb vs Corgi Fiduciary Liability Insurance Compared
Chubb vs Corgi: Fiduciary Liability Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio 3.0 Fiduciary Liability Insurance | Corgi Fiduciary Liability |
|---|---|---|
| How to Apply | Fiduciary Liability coverage is placed as part of the ForeFront Portfolio, which agents and brokers can quote and issue through Chubb Marketplace. 2Company-reported. ForeFront Portfolio hub page quoting section. | 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. 3Company-reported. Fiduciary product page call to action. |
| Coverage Features | Chubb lists coverage responding to allegations including wrongful denial or improper change in benefits, error or omission in plan administration, improper advice or counsel, prohibited transactions, failure to administer a plan according to its documents, conflict of interest, and imprudent investment or selection/monitoring of third-party service providers. 1Company-reported. Coverage Highlights, Coverage Responds to allegations list; subject to the policy as issued. Chubb says the policy insures the company, the company's executives and employees, and the company's employee benefits plan itself. 1Company-reported. Coverage Highlights list. | 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. 3Company-reported. Fiduciary coverage table and scenario/policy notes; illustrative summary, not policy wording. 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. 3Company-reported. Fiduciary scenario note 3. |
| Role in This Line | Chubb underwrites Fiduciary Liability insurance directly through ForeFront Portfolio 3.0, designed to protect a privately owned company, its fiduciaries and its benefit plans against personal liability for errors, omissions or breaches of fiduciary duty related to benefit plans. 1Company-reported. ForeFront Portfolio 3.0 Fiduciary Liability product page. | 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. 4Company-reported. Homepage package contents as read on 2026-09-23. |
