---
title: "Corgi vs Founder Shield: Fiduciary Liability Insurance"
description: "Corgi shows illustrative $1 million per-claim/$2 million aggregate limits with a $25,000 retention but excludes ESOPs and multi-employer plans; Founder Shield places coverage with A- or better carriers."
canonical: "https://spot.insure/compare/corgi-vs-foundershield/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-foundershield"
provider-a: "corgi"
provider-b: "foundershield"
coverage-line: "fiduciary"
---

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and Founder Shield 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 Founder Shield. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Corgi and Founder Shield.
- 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 Founder Shield](https://spot.insure/compare/corgi-vs-foundershield) — 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
- [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile

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

Corgi includes fiduciary in Growth Stage and Custom startup packages and offers an online quote; Founder Shield brokers coverage for 401(k) sponsors and other employee-plan fiduciaries.

Corgi publishes illustrative limits and excludes ESOPs and multi-employer plans; Founder Shield shops A- or better carriers but publishes no fiduciary limits.

## Corgi vs Founder Shield Fiduciary Liability Insurance Summary

Corgi shows illustrative $1 million per-claim/$2 million aggregate limits with a $25,000 retention but excludes ESOPs and multi-employer plans; Founder Shield places coverage with A- or better carriers. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [5](https://foundershield.com/about-us/ "About Us") [6](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

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

### Online Startup Quote or Broker-Guided Placement

Corgi’s online CORG-FL-0100 quote is available only in Growth Stage and Custom packages. Founder Shield lets you request coverage online or work through an adviser, then shops insurers rated A- or better by AM Best for your industry. Choose Corgi if your startup fits those two package tiers and you want an online quote; choose Founder Shield if you want an adviser to shop its rated carrier panel. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [5](https://foundershield.com/about-us/ "About Us") [6](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")

### Claim Scenarios Versus Form Exclusions

Corgi’s standard form covers excessive-fee litigation, administration errors, and late deposits, and excludes settlor acts, ESOPs, and multi-employer plans. Founder Shield lists risky plan investments, poor investment advice, administrative errors in benefits processing, and improper denial or change of benefits as scenarios the coverage responds to, and distinguishes the line from D&O and general liability. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://foundershield.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance")

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

- Ask Corgi for the carrier on the declarations and whether defense still erodes the limit. [3](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Ask Founder Shield which A-rated market it would approach and the limit and retention on that quote. [6](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?")
- If you sponsor an ESOP or multi-employer plan, Corgi’s standard form excludes those; ask Founder Shield whether a placed form would too. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://foundershield.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance")
- Confirm Corgi has moved you into a package that actually includes fiduciary. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

## Corgi vs Founder Shield Fiduciary Liability Insurance Compared

| Criteria | Corgi Fiduciary Liability | Founder Shield Fiduciary Liability Insurance |
| --- | --- | --- |
| 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..) | You request Founder Shield Fiduciary Liability Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. [5](https://foundershield.com/about-us/ "About Us") [6](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) |
| 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..) | Founder Shield lists claims of risky plan investments, poor investment advice, administrative errors in benefits processing, and improper denial or change of benefits as scenarios fiduciary liability responds to. [4](https://foundershield.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..)<br><br>Founder Shield distinguishes fiduciary liability from D&O and general liability: it responds to breach-of-fiduciary-duty claims tied to ERISA plan administration, not general management or bodily-injury claims. [4](https://foundershield.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary Liability product page..) |
| 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..) | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Fiduciary Liability Insurance with third-party carriers rather than underwriting the policy itself. [5](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..) |
| 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [3](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Fiduciary product page and general Corgi underwriting disclosure; not specific confirmation of which entity underwrites fiduciary policies..) | Founder Shield says it places policies, including Founder Shield Fiduciary Liability Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. [6](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..) |

## About Corgi and Founder Shield and Fiduciary Liability Insurance

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

## Related Pages for Corgi vs Founder Shield Fiduciary Liability

- [Corgi vs Founder Shield](https://spot.insure/compare/corgi-vs-foundershield): 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)
- [Founder Shield Fiduciary Liability Insurance](https://spot.insure/insurance-providers/foundershield/fiduciary)

## Sources for Corgi vs Founder Shield 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 Founder Shield

4. [Fiduciary Liability Insurance](https://foundershield.com/coverage/fiduciary-liability-insurance/). Founder Shield; What Is Fiduciary Liability Insurance?; Who Needs Fiduciary Liability Insurance Coverage?; What Does Fiduciary Liability Insurance Cover?. Accessed 2026-09-23.
5. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.
6. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-foundershield/fiduciary.md)
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