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

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

## Agent Guide

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

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

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

# 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 publishes illustrative $1 million limits and excludes settlor acts and investigation costs; Relm targets startups and growth-stage companies adding benefits early.

## Corgi vs Relm Insurance Fiduciary Liability Insurance Summary

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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [4](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask Corgi whether settlor, ESOP, and investigation exclusions remain on the issued form. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- If you are still in an early Corgi package, fiduciary is not listed until Growth Stage or Custom. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")
- Confirm Relm’s insured-person list (committees and discretionary D&O) matches the people who actually sign plan documents. [4](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## Corgi vs Relm Insurance Fiduciary Liability Insurance Compared

| 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. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary product page call to action..) | Relm sells fiduciary liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [4](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [4](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [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..) | Relm markets fiduciary liability as a coverage brokers can place for clients that manage employee benefit plans. [4](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About Corgi and Relm Insurance and Fiduciary Liability Insurance

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

## Related Pages for Corgi vs Relm Insurance Fiduciary Liability

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

## Sources for Corgi vs Relm Insurance 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 Relm Insurance

4. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Fiduciary Liability Insurance: What Is Fiduciary Liability Insurance?; Make Sure Benefits Don't Backfire; What Does Fiduciary Insurance Cover?. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-relm/fiduciary.md)
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