---
title: "Corgi vs RiskCube Fiduciary Liability Insurance"
description: "Corgi publishes a claims-made form and $1 million illustrative limits; RiskCube lists fiduciary on a startup catalogue and routes interest to a contact form."
canonical: "https://spot.insure/compare/corgi-vs-riskcube/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Corgi vs RiskCube Fiduciary Liability Insurance

Corgi publishes a claims-made form and $1 million illustrative limits; RiskCube lists fiduciary on a startup catalogue and routes interest to a contact form.

## Research Scope and Use

Use this comparison to evaluate Corgi and RiskCube for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi sells fiduciary liability online with form-level exclusions for settlor acts and government investigations. RiskCube is an independent brokerage that describes the line in one catalogue paragraph and sends “Learn more” traffic to a general contact form. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [10](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [7](https://riskcubeai.com/ "Startup Business Insurance") [8](https://riskcubeai.com/licenses "Licenses & Disclosures") [9](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## What Is Fiduciary Liability Insurance?

Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [12](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [13](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Product Page Versus Catalogue Card

Corgi maintains a fiduciary product page with form CORG-FL-0100 notes and an online quote. RiskCube lists Fiduciary Liability Insurance on its startup catalogue as coverage sold through an independent brokerage and does not underwrite the policy. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [10](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### Investor Timing Versus Package Tiers

Corgi adds fiduciary in Growth Stage and Custom packages. RiskCube’s catalogue says fiduciary liability is required by many institutional investors, positioning it as an investor-driven purchase rather than a day-one line. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [10](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### Depth of Coverage Description

Corgi details excessive-fee claims, administration errors, late deposits, settlor exclusions, and uncovered investigation costs. RiskCube’s card says the coverage responds to claims of mismanaging 401(k) plans, health benefits, and stock option programs, without a policy form or exclusion list. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [10](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### How Intake Works

Corgi’s quote is self-serve. RiskCube’s fiduciary URL redirects to a general contact form rather than a dedicated application, unlike some of its other lines. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [11](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask RiskCube which carrier, limit, and retention it would place; none appear on the catalogue card. [10](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- Ask Corgi whether stock-option programs, which RiskCube’s card mentions, are inside CORG-FL-0100 or need another line. [10](https://riskcubeai.com/insurance "Startup Insurance Coverage") [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Confirm Corgi’s $25,000 retention and defense-inside-limit treatment on the live quote. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Ask RiskCube how a contact-form submission turns into a bound fiduciary policy. [11](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube")

## Offering Details

| Criteria | Corgi Fiduciary Liability | RiskCube Fiduciary Liability Insurance |
| --- | --- | --- |
| 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..) | RiskCube lists Fiduciary Liability Insurance as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. [10](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail..) |
| Issuing Insurer | 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Fiduciary product page and general Corgi underwriting disclosure; not specific confirmation of which entity underwrites fiduciary policies..) | Not described in the reviewed sources. |
| Who It’s For | Not described in the reviewed sources. | RiskCube's catalogue says fiduciary liability coverage is "required by many institutional investors," positioning it as an investor-driven purchase rather than a coverage every startup is expected to carry from day one. [10](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue marketing description, not an underwriting eligibility rule..) |
| 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. [6](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. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary scenario note 3..) | RiskCube's catalogue describes fiduciary liability as covering directors, officers and plan administrators against claims of mismanaging employee benefit plans, including 401(k) plans, health benefits and stock option programs. [10](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: One-paragraph catalogue card; no policy form or exclusion list was found for this line..) |
| Limits and Retentions | 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. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary coverage table, described as illustrative..) | The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. [10](https://riskcubeai.com/insurance "Startup Insurance Coverage") [11](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube") (Evidence: Not publicly disclosed; scope: Public pages checked on 2026-09-23; amounts may appear only on an individual quote..) |
| Risk Services | 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. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Not found in reviewed sources; scope: Fiduciary product page as read on 2026-09-23..) | Not described in the reviewed sources. |
| 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. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary product page call to action..) | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for Fiduciary Liability (riskcubeai.com/insurance/fiduciary-liability) redirects to a general contact form rather than a dedicated page describing a fiduciary-specific application flow or required intake information. Guessed slugs /insurance/fiduciary and /insurance/fiduciary-insurance both 404. [11](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube") (Evidence: Not found in reviewed sources; scope: Checked on 2026-09-23; the URL may change to a dedicated page later..) |

## Full Comparison

- [Corgi vs RiskCube](https://spot.insure/compare/corgi-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability insurance can help with covered claims alleging that your business or its people breached duties in managing an employee benefit plan.
- [Corgi vs RiskCube Crime Insurance](https://spot.insure/compare/corgi-vs-riskcube/crime)
- [Corgi vs RiskCube Cyber Insurance](https://spot.insure/compare/corgi-vs-riskcube/cyber)
- [Corgi vs RiskCube D&O Insurance](https://spot.insure/compare/corgi-vs-riskcube/directors-officers)
- [Corgi vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-riskcube/employment-practices)
- [Corgi vs RiskCube General Liability Insurance](https://spot.insure/compare/corgi-vs-riskcube/general-liability)
- [Corgi vs RiskCube Tech E&O Insurance](https://spot.insure/compare/corgi-vs-riskcube/technology-errors-omissions)
- [Alliance Risk vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary)
- [Alliance Risk vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/fiduciary)
- [Beazley vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/fiduciary)
- [Beazley vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-riskcube/fiduciary)
- [Chubb vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/fiduciary)
- [Chubb vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-riskcube/fiduciary)

## Sources

### Corgi

1. [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.
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. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
6. [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.

### RiskCube

7. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
8. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
9. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
10. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; Fiduciary Liability card: "Covers directors, officers, and plan administrators against claims of mismanagement of employee benefit plans — including 401(k) plans, health benefits, and stock option programs. Required by many institutional investors."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23.
11. [Contact RiskCube](https://riskcubeai.com/insurance/fiduciary-liability). RiskCube; The catalogue's Fiduciary Liability "Learn more" link resolves to a general contact form, not a dedicated fiduciary liability product page. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

12. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
13. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16.

Updated 2026-09-23. 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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