Corgi vs Relm Insurance Fiduciary Liability Insurance

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. ⁹Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

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. ^6,1Company-reported. Fiduciary product page and general Corgi underwriting disclosure; not specific confirmation of which entity underwrites fiduciary policies.

The reviewed page does not name a specific issuing insurer for fiduciary liability placements. ⁹Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Not described in the reviewed sources.

Relm targets companies that manage employee benefit plans such as pensions or health insurance, specifically calling out startups and growth-stage companies that introduce benefits early to attract talent. ⁹Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.

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. ⁶Company-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. ⁶Company-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. ⁹Company-reported. Financial Lines page general description; the issued policy and declarations control.

Corgi shows illustrative fiduciary limits of up to $1 million per claim and $2 million aggregate, with defense costs inside the limit and a $25,000 per-claim self-insured retention. ⁶Company-reported. Fiduciary coverage table, described as illustrative.

Not described in the reviewed sources.

The reviewed fiduciary page does not describe plan-compliance reviews or fiduciary-training services for policyholders beyond the optional HIPAA, ERISA civil-penalty and voluntary-compliance endorsements. ⁶Not found in reviewed sources. Fiduciary product page as read on 2026-09-23.

The reviewed fiduciary liability page does not describe dedicated plan-administration review or risk-control services beyond the general coverage description. ⁹Not found in reviewed sources. Financial Lines page as read on 2026-09-23.

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. ⁶Company-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. ⁹Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.