---
title: "Corgi vs Gallagher: Fiduciary Liability Insurance"
description: "Corgi offers online fiduciary only in Growth Stage and Custom startup packages with a $25,000 illustrative retention; Gallagher places the line for plan sponsors and uses proprietary models to advise on limits."
canonical: "https://spot.insure/compare/corgi-vs-gallagher/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-gallagher"
provider-a: "corgi"
provider-b: "gallagher"
coverage-line: "fiduciary"
---

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

## Agent Guide

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

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

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

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

Corgi places fiduciary liability in Growth Stage and Custom packages and offers an online quote; Gallagher places fiduciary coverage with outside carriers for corporations sponsoring benefit plans and uses risk models.

Corgi quotes fiduciary online for Growth Stage and Custom startups; Gallagher places the line for ERISA plan sponsors and uses proprietary models to recommend limits.

## Corgi vs Gallagher Fiduciary Liability Insurance Summary

Corgi offers online fiduciary only in Growth Stage and Custom startup packages with a $25,000 illustrative retention; Gallagher places the line for plan sponsors and uses proprietary models to advise on limits. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

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

### Self-Serve Form Versus Advisory Practice

Corgi offers an online quote for its startup fiduciary product. Gallagher’s Executive and Financial Risk practice places the line with outside insurers and advises on limits using proprietary models. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Who the Buyer Is

Corgi lists fiduciary only in Growth Stage and Custom packages. Gallagher targets corporations sponsoring retirement or welfare benefit plans, describing protection for ERISA fiduciaries, fiduciary committees, and people who design or implement 401(k) or pension plans. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Investigations and Limit Tools

Corgi says government investigations are not covered claims on the standard form and shows a $25,000 illustrative retention. Gallagher does not publish fiduciary limits; it says it has proprietary models to measure fiduciary risk and assist clients in selecting coverage limits. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### Insurer Disclosure

Corgi’s disclaimers say the specific carrier appears in issued policy documents. Gallagher’s executive-and-financial-risk page does not name the insurer that would issue a client’s fiduciary policy. [3](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

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

- Ask Corgi whether investigation-cost endorsements are available if a DOL exam is a live risk. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Ask Gallagher what limit its models would recommend and which carrier would write it. [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Compare Corgi’s illustrative $1 million / $2 million structure with Gallagher’s unpublished placement limits. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Confirm whether Gallagher is placing cover for plan-design personnel (settlor-adjacent roles); Corgi’s standard form excludes settlor acts. [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

## Corgi vs Gallagher Fiduciary Liability Insurance Compared

| Criteria | Corgi Fiduciary Liability | Gallagher 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. [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..) | Gallagher describes fiduciary liability as protecting a corporation's Employee Retirement Income Security Act (ERISA) fiduciaries, fiduciary committees and personnel who design or implement 401(k) or pension plans for employees and retirees. [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) |
| 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..) | Gallagher's Executive and Financial Risk practice places fiduciary liability coverage with outside carriers and advises on limits; it does not underwrite the policy. [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |

## About Corgi and Gallagher and Fiduciary Liability Insurance

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

## Related Pages for Corgi vs Gallagher Fiduciary Liability Insurance

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

## Sources for Corgi vs Gallagher 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 Gallagher

4. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Fiduciary Liability (Pension and Welfare Liability) insurance section. 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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