Corgi vs HUB International: How Do They Compare for Fiduciary Liability Insurance?

Corgi sells fiduciary insurance in Growth Stage and Custom startup packages and publishes example limits; HUB International brokers it for employers sponsoring retirement or health plans.

Corgi offers online fiduciary quotes for Growth Stage and Custom startups; HUB brokers the line for health and retirement plan sponsors and says D&O does not cover the exposure. ^1,⁴

What Are the Key Differences Between Corgi and HUB International Fiduciary Liability Insurance?

Online Startup Sale Versus Broker Contact

Corgi lets eligible startups request fiduciary quotes online. HUB directs health-care and retirement plan sponsors to a broker to arrange the coverage. ¹ ⁴

D&O Interaction

Corgi treats fiduciary as a later-package add-on beside other startup lines. HUB states that fiduciary liability exposure is not covered by directors and officers policies, positioning it as a separate line rather than a bundled coverage. ² ⁴

Claim Lists and Form Gaps

Corgi’s standard form covers excessive-fee suits, administration errors, and late deposits, and excludes settlor acts, ESOPs, and multi-employer plans. HUB lists scenarios including a plan’s insurer or TPA making bad choices, conflicts of interest, benefits denial or reduction, insufficient funding, poor investment selection, and incorrect plan termination. ¹ ⁴

Limits Versus Exposure Statistics

Corgi shows illustrative $1 million / $2 million limits and a $25,000 retention. HUB does not publish policy limits; it notes that combined defense and settlement costs on fiduciary claims can exceed $1 million as a risk statistic, not as an offered limit, and it publishes a prevention video without describing a formal plan-review service. ¹ ⁴

What Should You Confirm in Corgi and HUB International Fiduciary Liability Insurance Quotes?

Ask HUB which market would write insufficient-funding or incorrect-termination allegations; Corgi’s form excludes settlor-type plan-design decisions. ⁴ ¹
Get Corgi’s actual retention and whether DOL investigation costs remain excluded. ¹
Ask HUB for the issuing insurer and quoted limit; neither is on the product page. ⁴
Confirm you are not relying on D&O alone; HUB says that line does not cover fiduciary exposure. ⁴

Corgi vs HUB International Fiduciary Liability Insurance Compared

Corgi vs HUB International: Fiduciary Liability Insurance: documented features by provider

Criteria	Corgi Fiduciary Liability	HUB International Fiduciary Liability Insurance Brokerage
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.	HUB directs fiduciary liability prospects to "Connect With a Broker" or "Contact a HUB broker" rather than an online quote or bind flow. ⁴Company-reported. Product-page calls to action.
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.	HUB lists fiduciary liability claim scenarios it covers as including a plan's insurer, mutual fund or third-party administrator making bad choices, plan administration errors or conflicts of interest, benefits denial, changes or reductions, bad advice or improper counsel, insufficient plan funding, poor investment selection and incorrect plan termination. ⁴Company-reported. Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim. HUB states that fiduciary liability exposure "is not covered by director's and officers' liability policies," positioning fiduciary liability as a separate line from D&O rather than a bundled coverage. ⁴Company-reported. Product-page statement distinguishing fiduciary liability from 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.	HUB brokers fiduciary liability insurance for employers that sponsor health-care and retirement benefit plans, rather than underwriting the coverage itself. ⁴Company-reported. Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer.

Criteria

Corgi Fiduciary Liability

HUB International Fiduciary Liability Insurance Brokerage

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.

HUB directs fiduciary liability prospects to "Connect With a Broker" or "Contact a HUB broker" rather than an online quote or bind flow. ⁴Company-reported. Product-page calls to action.

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.

HUB lists fiduciary liability claim scenarios it covers as including a plan's insurer, mutual fund or third-party administrator making bad choices, plan administration errors or conflicts of interest, benefits denial, changes or reductions, bad advice or improper counsel, insufficient plan funding, poor investment selection and incorrect plan termination. ⁴Company-reported. Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim.

HUB states that fiduciary liability exposure "is not covered by director's and officers' liability policies," positioning fiduciary liability as a separate line from D&O rather than a bundled coverage. ⁴Company-reported. Product-page statement distinguishing fiduciary liability from 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.

HUB brokers fiduciary liability insurance for employers that sponsor health-care and retirement benefit plans, rather than underwriting the coverage itself. ⁴Company-reported. Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer.