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

Corgi makes fiduciary liability available in Growth Stage and Custom startup packages, with an online quote; Relm Insurance brokers the coverage for companies managing employee benefit plans.

Corgi’s CORG-FL-0100 shows illustrative $1 million limits and excludes settlor acts and investigation costs; Relm targets startups and growth-stage firms adding benefits early. ^1,⁴

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

Direct Form Versus Broker Channel

Corgi offers fiduciary through an online quote flow, while Relm sells the line through insurance brokers and does not describe a direct online quote. This gives eligible Corgi-stage startups a self-serve path; Relm’s route is through an adviser. ¹ ⁴

When Startups Are Told to Buy

Corgi withholds fiduciary from Pre-Seed & Seed and Series A packages. Relm specifically calls out startups and growth-stage companies that introduce benefits early to attract talent. ² ⁴

Insureds and Covered Costs

Corgi describes ERISA breach claims such as excessive-fee litigation and late deposits. Relm says the coverage protects plan sponsors, trustees, administrators, investment committees, and directors and officers with discretionary ERISA authority, covering legal fees, settlement, and judgment costs tied to employee benefit plans. ¹ ⁴

Numbers on the Page

Corgi shows illustrative $1 million / $2 million limits, defense inside the limit, and a $25,000 retention. Relm’s reviewed page does not name an issuing insurer and does not describe dedicated plan-administration review services. ¹ ⁴

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

Ask Relm’s broker which carrier and limit apply; those are not on Relm’s page. ⁴
Ask Corgi whether settlor, ESOP, and investigation exclusions remain on the issued form. ¹
If you are still in an early Corgi package, fiduciary is not listed until Growth Stage or Custom. ²
Confirm Relm’s insured-person list (committees and discretionary D&O) matches the people who actually sign plan documents. ⁴

Corgi vs Relm Insurance Fiduciary Liability Insurance Compared

Corgi vs Relm Insurance: Fiduciary Liability Insurance: documented features by provider

Criteria	Corgi Fiduciary Liability	Relm 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. ¹Company-reported. Fiduciary product page call to action.	Relm sells fiduciary liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁴Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.
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.	Relm says fiduciary liability protects plan sponsors, trustees, administrators, investment committees, and directors and officers with 'discretionary authority' under ERISA, covering legal fees, settlement and judgment costs tied to employee benefit plans. ⁴Company-reported. Financial Lines page general description; the issued policy and declarations control.
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.	Relm markets fiduciary liability as a coverage brokers can place for clients that manage employee benefit plans. ⁴Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Corgi Fiduciary Liability

Relm 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. ¹Company-reported. Fiduciary product page call to action.

Relm sells fiduciary liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ⁴Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.

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.

Relm says fiduciary liability protects plan sponsors, trustees, administrators, investment committees, and directors and officers with 'discretionary authority' under ERISA, covering legal fees, settlement and judgment costs tied to employee benefit plans. ⁴Company-reported. Financial Lines page general description; the issued policy and declarations control.

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.

Relm markets fiduciary liability as a coverage brokers can place for clients that manage employee benefit plans. ⁴Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.