---
title: "Corgi vs Embroker: Fiduciary Liability Insurance"
description: "Corgi shows $1M/$2M illustrative limits and a $25,000 retention but excludes government investigations; Embroker advertises up to $20M limits and $500–$2,500 typical annual premiums."
canonical: "https://spot.insure/compare/corgi-vs-embroker/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-embroker"
provider-a: "corgi"
provider-b: "embroker"
coverage-line: "fiduciary"
---

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and Embroker for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about Corgi versus Embroker. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs Embroker for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Corgi or Embroker?
- What does Corgi or Embroker publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Corgi and Embroker.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs Embroker](https://spot.insure/compare/corgi-vs-embroker) — all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile

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

Corgi sells fiduciary liability in Growth Stage and Custom startup packages, with illustrative limits up to $1 million per claim; Embroker sells a standalone policy and publishes its own limits and exclusions.

Corgi shows illustrative $1 million/$2 million limits and a $25,000 retention; Embroker cites up to $20 million in limits and typical annual premiums of $500–$2,500.

## Corgi vs Embroker Fiduciary Liability Insurance Summary

Corgi shows $1M/$2M illustrative limits and a $25,000 retention but excludes government investigations; Embroker advertises up to $20M limits and $500–$2,500 typical annual premiums. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

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

### Limits and Price Ranges on the Product Pages

Corgi illustrates $1 million per claim and $2 million aggregate, with defense inside the limit and a $25,000 retention. Embroker says its policies can cover up to $20 million and typically cost $500 to $2,500 per year, based mainly on plan assets, selected limit and service-provider quality. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

### Exclusions Each Page Names

Corgi’s standard form excludes settlor acts (plan design, amendment, or termination), ESOPs, and multi-employer plans. Embroker says the policy excludes criminal activity such as embezzlement, outside advisors or administrators hired to manage the plans, and failure to fund a plan in accordance with ERISA. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

### New Plans and Who Needs the Line

Corgi places fiduciary only in later startup packages. Embroker targets companies that provide medical, dental, vision or other benefits, or retirement plans or stock options, and says very small businesses without benefit plans generally do not need the coverage; it also says most newly created or acquired plans get automatic coverage. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

### Both Quote Online, Different Investigation Treatment

Both Corgi and Embroker offer an online fiduciary quote. Corgi states DOL investigations, IRS audits, and HHS inquiries are not covered claims on the standard form; Embroker’s reviewed page does not describe investigation costs that way. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

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

- Match plan assets to Embroker’s $20 million upper figure and to Corgi’s illustrative $1 million / $2 million structure. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Ask Corgi about settlor, ESOP, and multi-employer exclusions; ask Embroker about the funding-failure exclusion if contributions have been late. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")
- Confirm whether Embroker would bind standalone fiduciary or bundle it with D&O and EPL. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")
- Ask both whether a newly acquired plan is automatically insured, which Embroker states for most new or acquired plans. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

## Corgi vs Embroker Fiduciary Liability Insurance Compared

| Criteria | Corgi Fiduciary Liability | Embroker Fiduciary Liability Insurance |
| --- | --- | --- |
| Limits and Retentions | 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. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary coverage table, described as illustrative..) | Embroker says fiduciary liability premiums typically range from $500 to $2,500 per year and that policies can cover as much as $20 million, driven mainly by total plan assets under management, the policy limit and the quality of service providers. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page 'What does Fiduciary Liability cost?' section; actual pricing and limits depend on underwriting..) |
| 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. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary product page call to action..) | Embroker offers an online quote for fiduciary liability through its digital platform. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature description; no quote was requested during this research..) |
| 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. [1](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. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary scenario note 3..) | Embroker lists coverage for errors and omissions in administering benefit plans and imprudent selection of investments or third-party service providers, and says most newly created or acquired plans get automatic coverage. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker says the policy excludes criminal activity such as embezzlement, outside advisors or administrators hired to manage the benefit plans, and failure to fund a plan in accordance with ERISA. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's not included section..) |
| 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. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage package contents as read on 2026-09-23..) | Embroker sells fiduciary liability as a standalone policy and says it is most commonly bundled with directors and officers and employment practices liability coverage. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) |

## About Corgi and Embroker and Fiduciary Liability Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)

## Related Pages for Corgi vs Embroker Fiduciary Liability Insurance

- [Corgi vs Embroker](https://spot.insure/compare/corgi-vs-embroker): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Corgi Fiduciary Liability Insurance](https://spot.insure/insurance-providers/corgi/fiduciary)
- [Embroker Fiduciary Liability Insurance](https://spot.insure/insurance-providers/embroker/fiduciary)

## Sources for Corgi vs Embroker Fiduciary Liability Insurance

### Sources About Corgi

1. [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.
2. [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.
3. [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.

### Sources About Embroker

4. [Fiduciary Liability Insurance: What Is It & How It Works](https://www.embroker.com/coverage/fiduciary-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Fiduciary Liability insurance?; What's covered; What's not included; Are there additional coverages available with Fiduciary Liability insurance?; What does Fiduciary Liability cost?. Accessed 2026-09-23.

Updated 2026-09-29. 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.

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