Corgi vs Cowbell Fiduciary Liability Insurance

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. ^10,9Company-reported. Management liability page intro and module list; Zurich page module-name section.

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. ^6,1Company-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. ^10,9Company-reported. Management liability page intro; Zurich page intro and footer.

Not described in the reviewed sources.

Cowbell targets this fiduciary module at private companies with under 250 employees and under $50M in assets, across the same target industries listed for the broader Select Plus product, such as manufacturing and technology. ¹⁰Company-reported. FAQ 'What size accounts are targeted?' and Target industries 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. ⁶Company-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. ⁶Company-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. ¹⁰Company-reported. FAQ 'What is the difference between management liability and D&O?'.

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. ⁶Company-reported. Fiduciary coverage table, described as illustrative.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes fiduciary-liability limit or retention amounts. ^10,9Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23.

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. ⁶Not found in reviewed sources. Fiduciary product page as read on 2026-09-23.

Both Cowbell and Zurich describe the Select Plus product generally as backed by 'the reputable Zurich Claims service'; neither reviewed page describes a fiduciary-specific service such as plan-compliance consulting. ^10,9Not publicly disclosed. Management liability page intro; Zurich page intro, both read on 2026-09-23.

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. ⁶Company-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. ¹⁰Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.