---
title: "Corgi vs StartupInsurance.ai Fiduciary Liability Insurance"
description: "Corgi’s form excludes DOL investigations; StartupInsurance.ai places fiduciary online and checks existing policies for blanket AI exclusions."
canonical: "https://spot.insure/compare/corgi-vs-startupinsurance/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Corgi vs StartupInsurance.ai Fiduciary Liability Insurance

Corgi’s form excludes DOL investigations; StartupInsurance.ai places fiduciary online and checks existing policies for blanket AI exclusions.

## Research Scope and Use

Use this comparison to evaluate Corgi and StartupInsurance.ai 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 a claims-made fiduciary form with illustrative $1 million limits and named investigation gaps. StartupInsurance.ai includes fiduciary on its seven-box quote intake and reviews fiduciary wording for industrywide AI exclusions. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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 StartupInsurance.ai?

StartupInsurance.ai is a marketing brand of ContractorNerd Insurance Services, LLC, offering startup insurance placement and policy reviews. Buyers can begin with an online coverage selection or a review of existing policies and contract requirements. [7](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [8](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

## What Is Fiduciary Liability Insurance?

Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [10](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") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Two Online Startup Paths

Both Corgi and StartupInsurance.ai let you request fiduciary through a web flow. Corgi uses a dedicated fiduciary quote; StartupInsurance.ai includes Fiduciary as one of seven coverage boxes on its quote-intake screen, described as covering claims related to employee benefit plan management. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [8](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

### Form Detail Versus AI-Exclusion Watch

Corgi publishes CORG-FL-0100 terms: claims-made ERISA cover, settlor/ESOP/multi-employer exclusions, and uncovered DOL, IRS, and HHS inquiries. StartupInsurance.ai says one major carrier added a blanket AI exclusion to fiduciary forms, typically at renewal inside an endorsement, and that it checks policies for this exclusion. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### Package Gates Versus Program List

Corgi lists fiduciary only in Growth Stage and Custom packages. StartupInsurance.ai names fiduciary among the lines its startup program places, alongside GL, D&O, tech E&O, cyber, EPL, and crime, without a documented later-stage gate. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### Extra Service

Corgi’s page does not describe a policy-wording review beyond optional endorsements. StartupInsurance.ai’s free policy check reviews an existing program for AI exclusions within 48 hours and specifically calls out fiduciary as one of the affected forms. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask StartupInsurance.ai whether the placed fiduciary form carries a blanket AI exclusion. [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Ask Corgi whether investigation-cost or AI-related endorsements exist on CORG-FL-0100. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Compare Corgi’s illustrative $1 million / $2 million limits with whatever StartupInsurance.ai’s unnamed carrier quotes. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- If you already have a fiduciary policy, ask StartupInsurance.ai what the 48-hour check would return. [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## Offering Details

| Criteria | Corgi Fiduciary Liability | StartupInsurance.ai 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..) | StartupInsurance.ai names fiduciary liability as one of the lines its startup program places, alongside general liability, D&O, tech E&O, cyber, employment practices and crime. [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Coverage: What we place" list as read on 2026-09-23..) |
| 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..) | The reviewed pages do not name an insurer for fiduciary liability specifically; the homepage's carrier panel is program-wide and not broken out by coverage line. [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel as read on 2026-09-23..) |
| 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..) | StartupInsurance.ai says one major carrier added a blanket AI exclusion to fiduciary forms (along with D&O and E&O), typically arriving at renewal inside an endorsement, and that it checks policies for this exclusion. [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed fiduciary policy carries this specific endorsement..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | StartupInsurance.ai's free policy check reviews an existing program for AI exclusions within 48 hours, and the homepage specifically calls out fiduciary as one of the forms affected by the AI-exclusion trend it checks for. [9](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy..) |
| 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..) | "Fiduciary" is one of seven coverage boxes on StartupInsurance.ai's online quote-intake screen, described there as covering "claims related to employee benefit plan management." [8](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) |

## Full Comparison

- [Corgi vs StartupInsurance.ai](https://spot.insure/compare/corgi-vs-startupinsurance): 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 StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-startupinsurance/commercial-auto)
- [Corgi vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/corgi-vs-startupinsurance/directors-officers)
- [Corgi vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/corgi-vs-startupinsurance/general-liability)
- [Corgi vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/corgi-vs-startupinsurance/technology-errors-omissions)
- [Alliance Risk vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary)
- [Alliance Risk vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/fiduciary)
- [Beazley vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/fiduciary)
- [Beazley vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-startupinsurance/fiduciary)
- [Chubb vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/fiduciary)
- [Chubb vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-startupinsurance/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.

### StartupInsurance.ai

7. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
8. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Fiduciary — “Covers claims related to employee benefit plan management”. Accessed 2026-09-23.
9. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Coverage: What we place; Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); The free policy check. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

10. [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.
11. [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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