Chubb vs StartupInsurance.ai Fiduciary Liability Insurance

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.

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. ⁸Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23.

Not described in the reviewed sources.

The reviewed pages do not name an insurer for fiduciary liability specifically; the homepage's carrier panel is program-wide and not broken out by coverage line. ⁸Not publicly disclosed. Homepage carrier panel as read on 2026-09-23.

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.

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.

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. ⁸Company-reported. 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.

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.

Not described in the reviewed sources.

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.

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. ⁸Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy.

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.

"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." ⁷Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line.