Chubb vs 
Corgi Fiduciary Liability Insurance
Chubb’s ForeFront fiduciary insures the benefit plan itself; Corgi’s standard form excludes settlor acts and government investigations.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
What Is Corgi Insurance?
Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. 6,7,8,9,10
What Is Fiduciary Liability Insurance?
Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. 12,13
Key Differences in Fiduciary Liability Insurance
Private-Company Portfolio Versus Startup Package
Chubb underwrites fiduciary liability through ForeFront Portfolio 3.0 for privately owned companies. Corgi sells Fiduciary Liability only in its Growth Stage and Custom startup packages; the line is not in Pre-Seed & Seed or Series A tiers. 4 5 7
Settlor Acts and Who Counts as a Claim
Chubb lists coverage responding to allegations including wrongful denial or improper change in benefits, prohibited transactions and failure to administer a plan according to its documents, and it insures the company, executives, employees and the employee benefits plan. Corgi’s standard form is narrower on several points the product page spells out:
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. 11Company-reported. Fiduciary coverage table and scenario/policy notes; illustrative summary, not policy wording.
Corgi also says DOL investigations, IRS audits and HHS inquiries are not covered “Claims”; only a resulting participant lawsuit is, and investigation costs themselves are not covered. 4 11
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. 4 11
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. 5 11
What to Confirm in 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. 11
- Confirm whether Chubb’s specimen covers settlor-type decisions that Corgi’s standard form excludes. 4 11
- Compare Corgi’s illustrative $1 million / $2 million figures with the Chubb Marketplace limit. 11 5
- Get the issuing insurer: Corgi’s disclaimers say it depends on product, jurisdiction and risk; Chubb writes ForeFront on its own paper. 6 4
Offering Details
Chubb vs Corgi Fiduciary Liability Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio 3.0 Fiduciary Liability Insurance | Corgi Fiduciary Liability |
|---|---|---|
| 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. 4Company-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. 7Company-reported. Homepage package contents as read on 2026-09-23. |
| Issuing Insurer | Not described in the reviewed sources. | Corgi's fiduciary product page does not name the issuing insurer. Corgi's disclaimers page says coverage on the platform is underwritten by carrier affiliates or third-party partners depending on the product, jurisdiction and risk, and that the specific carrier appears in the issued policy documents. 11,6Company-reported. Fiduciary product page and general Corgi underwriting disclosure; not specific confirmation of which entity underwrites fiduciary policies. |
| Who It’s For | Chubb says private-company underwriters located across the U.S. handle this product and are experienced in a broad spectrum of industries. 4Company-reported. Coverage Highlights, Benefits section. | Not described in the reviewed sources. |
| 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. 4Company-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. 4Company-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. 11Company-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. 11Company-reported. Fiduciary scenario note 3. |
| Limits and Retentions | The reviewed page does not publish specific policy limits or retentions for Fiduciary Liability coverage. 4Not found in reviewed sources. ForeFront Portfolio 3.0 Fiduciary Liability page as read on 2026-09-23. | 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. 11Company-reported. Fiduciary coverage table, described as illustrative. |
| Risk Services | Chubb says Fiduciary Liability policyholders have access to loss-prevention resources, and separately publishes Fiduciary Liability Insurance Loss Control Services materials within the ForeFront Portfolio. 4,5Company-reported. Coverage Highlights Benefits section; ForeFront Portfolio hub page lists a separate Loss Control Services resource. | The reviewed fiduciary page does not describe plan-compliance reviews or fiduciary-training services for policyholders beyond the optional HIPAA, ERISA civil-penalty and voluntary-compliance endorsements. 11Not found in reviewed sources. Fiduciary product page as read on 2026-09-23. |
| 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. 5Company-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. 11Company-reported. Fiduciary product page call to action. |
Full Comparison
More Chubb vs Corgi Comparisons
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Sources
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S. Chubb; Coverage Highlights: Benefits (private-company underwriters, loss prevention resources) and Coverage responds-to-allegations list. Accessed 2026-09-23.
- The ForeFront Portfolio. Chubb; Available Coverages: Fiduciary Liability Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting. Accessed 2026-09-23.
Corgi
- Disclaimers & Licensing. Corgi Insurance; About Corgi; How Insurance Is Provided Through Corgi (Underwriting); Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. 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.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
- Fiduciary Liability Insurance for Startups. 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.
Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
