---
title: "Corgi vs HUB International: Fiduciary Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-hub-international/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-hub-international"
provider-a: "corgi"
provider-b: "hub-international"
coverage-line: "fiduciary"
---

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

## Agent Guide

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

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

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

# 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 provides an online quote for eligible later-stage startups; HUB brokers fiduciary for health and retirement plan sponsors and says D&O does not cover the risk.

## Corgi vs HUB International Fiduciary Liability Insurance Summary

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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## 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](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Get Corgi’s actual retention and whether DOL investigation costs remain excluded. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Ask HUB for the issuing insurer and quoted limit; neither is on the product page. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Confirm you are not relying on D&O alone; HUB says that line does not cover fiduciary exposure. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## Corgi vs HUB International Fiduciary Liability Insurance Compared

| 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. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [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..) | 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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim..)<br><br>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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [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..) | HUB brokers fiduciary liability insurance for employers that sponsor health-care and retirement benefit plans, rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer..) |

## About Corgi and HUB International and Fiduciary Liability Insurance

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

## Related Pages for Corgi vs HUB International Fiduciary Liability

- [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international): 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)
- [HUB International Fiduciary Liability Insurance](https://spot.insure/insurance-providers/hub-international/fiduciary)

## Sources for Corgi vs HUB International 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 HUB International

4. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Target audience: employers offering health-care and retirement benefit plans; list of covered claim scenarios; statement distinguishing fiduciary liability from D&O; $1 million defense-and-settlement-cost reference; "Prevent Fiduciary Liability Claims" video; Connect With a Broker / Contact a HUB broker calls to action. 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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