---
title: "Chubb vs Corgi Fiduciary Liability Insurance"
description: "Chubb’s ForeFront fiduciary insures the benefit plan itself; Corgi’s standard form excludes settlor acts and government investigations."
canonical: "https://spot.insure/compare/chubb-vs-corgi/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# 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.

## Research Scope and Use

Use this comparison to evaluate Chubb and Corgi for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites fiduciary liability in ForeFront Portfolio 3.0 for private companies, their people and the plan. Corgi sells fiduciary only in Growth Stage and Custom packages, on a claims-made form that excludes settlor acts, ESOPs and multi-employer plans and does not treat DOL, IRS or HHS inquiries as covered claims. [4](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

## 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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [7](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [8](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [9](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [10](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Fiduciary Liability Insurance?

Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [12](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [13](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## 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](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [7](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

### 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. [11](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..)

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](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

### 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](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

### 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](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

## 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Confirm whether Chubb’s specimen covers settlor-type decisions that Corgi’s standard form excludes. [4](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Compare Corgi’s illustrative $1 million / $2 million figures with the Chubb Marketplace limit. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio")
- Get the issuing insurer: Corgi’s disclaimers say it depends on product, jurisdiction and risk; Chubb writes ForeFront on its own paper. [6](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [4](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.")

## Offering Details

| 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. [4](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") (Evidence: Company-reported; scope: 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. [7](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [6](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") (Evidence: Company-reported; scope: 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. [4](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") (Evidence: Company-reported; scope: Coverage Highlights, Coverage Responds to allegations list; subject to the policy as issued..)<br><br>Chubb says the policy insures the company, the company's executives and employees, and the company's employee benefits plan itself. [4](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") (Evidence: Company-reported; scope: 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. [11](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. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary scenario note 3..) |
| Limits and Retentions | The reviewed page does not publish specific policy limits or retentions for Fiduciary Liability coverage. [4](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") (Evidence: Not found in reviewed sources; scope: 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. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: 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](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html "ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.") [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: 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. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Not found in reviewed sources; scope: 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. [5](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: 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. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary product page call to action..) |

## Full Comparison

- [Chubb vs Corgi](https://spot.insure/compare/chubb-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability insurance can help with covered claims alleging that your business or its people breached duties in managing an employee benefit plan.
- [Chubb vs Corgi Business Owner’s Policy](https://spot.insure/compare/chubb-vs-corgi/business-owners-policy)
- [Chubb vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-corgi/cargo-transit)
- [Chubb vs Corgi Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-corgi/commercial-auto)
- [Chubb vs Corgi Crime Insurance](https://spot.insure/compare/chubb-vs-corgi/crime)
- [Chubb vs Corgi Cyber Insurance](https://spot.insure/compare/chubb-vs-corgi/cyber)
- [Chubb vs Corgi D&O Insurance](https://spot.insure/compare/chubb-vs-corgi/directors-officers)
- [Chubb vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/employment-practices)
- [Chubb vs Corgi General Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/general-liability)
- [Chubb vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-corgi/professional-errors-omissions)
- [Chubb vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-corgi/representations-warranties)
- [Chubb vs Corgi Tech E&O Insurance](https://spot.insure/compare/chubb-vs-corgi/technology-errors-omissions)
- [Chubb vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/umbrella-excess)
- [Chubb vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-corgi/workers-compensation)
- [Alliance Risk vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/fiduciary)
- [Alliance Risk vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary)
- [Beazley vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-chubb/fiduciary)
- [Beazley vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/fiduciary)
- [Chubb vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-coalition/fiduciary)
- [Chubb vs Coverdash Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-coverdash/fiduciary)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). 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.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). 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.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). 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.
4. [ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S.](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-fiduciary-liability-insurance.html). Chubb; Coverage Highlights: Benefits (private-company underwriters, loss prevention resources) and Coverage responds-to-allegations list. Accessed 2026-09-23.
5. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Available Coverages: Fiduciary Liability Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting. Accessed 2026-09-23.

### Corgi

6. [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.
7. [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.
8. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
9. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
10. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
11. [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.

### Fiduciary Liability Insurance Guide

12. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
13. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/chubb-vs-corgi/fiduciary.md)
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