Corgi vs 
Cowbell: How Do They Compare for Fiduciary Liability Insurance?
Corgi includes fiduciary liability in its Growth Stage and Custom startup packages; Cowbell distributes Zurich-underwritten fiduciary coverage for smaller private businesses only through insurance brokers appointed by Zurich, not directly to businesses.
Corgi provides online startup quotes with illustrative $1M/$2M limits; Cowbell’s Zurich Select Plus module is restricted to private companies under 250 employees and $50M in assets and can only be accessed by appointed wholesalers. 1,4,5
What Are the Key Differences Between Corgi and Cowbell Fiduciary Liability Insurance?
Online Quote or Wholesaler Access
Corgi’s “Get a Fiduciary quote” flow lets eligible startups request coverage online. Cowbell’s Zurich Select Plus module is available only through appointed Zurich wholesalers using Cowbell’s API, so it is not a self-serve option. Choose Corgi if you want to request a startup fiduciary quote online; choose Cowbell if you already have access to an appointed Zurich wholesaler and meet its size limits. 1 4
Policy Detail and Published Limits
Corgi publishes a claims-made form with illustrative limits up to $1 million per claim and $2 million aggregate, and excludes settlor acts, ESOPs and multi-employer plans from its standard form. Cowbell describes benefit-plan fiduciary-duty claims but publishes no limit, retention or form details. 1 4
What Should You Confirm in Corgi and Cowbell Fiduciary Liability Insurance Quotes?
- If you cannot reach a Zurich E&S wholesaler, Cowbell’s Select Plus fiduciary module is not a self-serve path; Corgi’s is. 4 1
- Ask Corgi which carrier appears on the policy documents and whether investigation-cost endorsements are available. 3 1
- Check Cowbell’s under-250-employee and under-$50 million asset targets against Corgi’s package-tier rules. 4 2
- Get actual limits: Corgi’s figures are labeled illustrative; Cowbell’s pages do not state any. 1 4
Corgi vs Cowbell Fiduciary Liability Insurance Compared
Corgi vs Cowbell: Fiduciary Liability Insurance: documented features by provider
| Criteria | Corgi Fiduciary Liability | Cowbell / Zurich Select Plus Fiduciary Liability |
|---|---|---|
| How to Apply | 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. 1Company-reported. Fiduciary product page call to action. | This fiduciary module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. 4Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'. |
| 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. | Cowbell describes fiduciary liability as protecting against claims arising from breaches of fiduciary duties related to employee benefit plans, such as a company's 401(k) or health plan. 4Company-reported. FAQ 'What is the difference between management liability and D&O?'. |
| 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. | Fiduciary liability is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites the module. Zurich's own page lists 'Fiduciary Liability' as one of the four modules a buyer can combine. 4,5Company-reported. Management liability page intro and module list; Zurich page module-name section. |
| Issuing Insurer | 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. 1,3Company-reported. Fiduciary product page and general Corgi underwriting disclosure; not specific confirmation of which entity underwrites fiduciary policies. | Cowbell and Zurich both say the Select Plus modules, including fiduciary liability, are written on Zurich admitted paper. Zurich's site footer names 'Zurich American Insurance Company' in its copyright notice, but neither page states that entity is the specific policy issuer for this module. 4,5Company-reported. Management liability page intro; Zurich page intro and footer. |
