Corgi vs Coverdash: How Do They Compare for Fiduciary Liability Insurance?

Corgi includes fiduciary coverage in Growth Stage and Custom packages, not its earliest tiers; Coverdash arranges insurer quotes and offers the coverage standalone or packaged with D&O and EPLI.

Corgi limits fiduciary to Growth Stage and Custom packages and shows $1M/$2M illustrative limits; Coverdash can arrange standalone or bundled quotes through its insurer panel. ^1,^2,⁴

What Are the Key Differences Between Corgi and Coverdash Fiduciary Liability Insurance?

Package Tier Versus Panel Placement

Corgi offers fiduciary only in Growth Stage and Custom packages, not in Pre-Seed & Seed or Series A. Coverdash takes quote requests from businesses and arranges coverage through its insurer panel; its page says fiduciary can sit standalone or with D&O and EPLI. ² ⁴

What the Standard Form Leaves Out

Corgi’s standard CORG-FL-0100 form is claims-made and covers ERISA breach-of-duty claims such as excessive-fee suits, administration errors, and late contribution deposits, but it excludes settlor acts, ESOPs, and multi-employer plans. Coverdash describes covering breach of duty, plan administration errors, imprudent investment selection or monitoring, and legal defense, without listing those settlor or ESOP exclusions on the reviewed page. ¹ ⁴

Investigations Versus Lawsuits

Corgi says DOL investigations, IRS audits, and HHS inquiries are not covered “Claims” on the standard form; only a later participant lawsuit is, and investigation costs themselves are not covered. Coverdash’s reviewed page does not address government investigations as a coverage trigger. ¹ ⁴

Limits You Can Read Before a Quote

Corgi shows illustrative limits of $1 million per claim and $2 million aggregate, defense inside the limit, and a $25,000 per-claim retention. Coverdash’s fiduciary page does not publish limit or retention amounts, and it notes fiduciary is often packaged with D&O and EPLI but also available standalone. ¹ ⁴

What Should You Confirm in Corgi and Coverdash Fiduciary Liability Insurance Quotes?

Ask Corgi whether HIPAA, ERISA civil-penalty, or voluntary-compliance endorsements are on the quote, and whether settlor, ESOP, or multi-employer exposures exist. ¹
Ask Coverdash whether the quote is standalone or inside a management-liability package, and which panel insurer issues it. ⁴
Compare defense-inside-limit and the $25,000 retention on Corgi’s illustration with Coverdash’s actual quoted numbers. ¹ ⁴
Confirm Corgi’s package tier actually includes fiduciary; earlier-stage packages on the homepage do not. ²

Corgi vs Coverdash Fiduciary Liability Insurance Compared

Corgi vs Coverdash: Fiduciary Liability Insurance: documented features by provider

Criteria	Corgi Fiduciary Liability	Coverdash Fiduciary Liability Insurance
Coverage Features	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. ¹Company-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. ¹Company-reported. Fiduciary scenario note 3.	Coverdash describes the fiduciary policy as covering claims of breach of duty to plan participants, plan administration errors such as enrollment or advising mistakes, and claims over poor selection or monitoring of plan investment options, plus legal defense costs. ⁴Company-reported. Types of Coverage cards on the product page; exclusions and defense-cost structure are not described and would appear on the issued policy. Coverdash distinguishes fiduciary liability from an ERISA fidelity bond: the bond protects the plan itself from theft and is legally required, while fiduciary liability protects the individual fiduciaries from lawsuits and is optional, though recommended. ⁴Company-reported. FAQ answer to 'Isn't this the same as an ERISA bond?'. Coverdash says fiduciary liability is often packaged with D&O and EPLI in a management liability policy, but is also available standalone. ⁴Company-reported. FAQ answer to 'Is it included in management liability?'.
Role in This Line	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. ²Company-reported. Homepage package contents as read on 2026-09-23.	Coverdash arranges fiduciary liability quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its fiduciary page and it places coverage on your behalf. ⁴Company-reported. Coverdash's fiduciary liability product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote.

Criteria

Corgi Fiduciary Liability

Coverdash Fiduciary Liability Insurance

Coverage Features

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. ¹Company-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. ¹Company-reported. Fiduciary scenario note 3.

Coverdash describes the fiduciary policy as covering claims of breach of duty to plan participants, plan administration errors such as enrollment or advising mistakes, and claims over poor selection or monitoring of plan investment options, plus legal defense costs. ⁴Company-reported. Types of Coverage cards on the product page; exclusions and defense-cost structure are not described and would appear on the issued policy.

Coverdash distinguishes fiduciary liability from an ERISA fidelity bond: the bond protects the plan itself from theft and is legally required, while fiduciary liability protects the individual fiduciaries from lawsuits and is optional, though recommended. ⁴Company-reported. FAQ answer to 'Isn't this the same as an ERISA bond?'.

Coverdash says fiduciary liability is often packaged with D&O and EPLI in a management liability policy, but is also available standalone. ⁴Company-reported. FAQ answer to 'Is it included in management liability?'.

Role in This Line

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. ²Company-reported. Homepage package contents as read on 2026-09-23.

Coverdash arranges fiduciary liability quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its fiduciary page and it places coverage on your behalf. ⁴Company-reported. Coverdash's fiduciary liability product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote.