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

Corgi sells fiduciary liability in Growth Stage and Custom startup packages; The Hartford includes the coverage in Private Choice management liability for private companies and nonprofits.

Corgi limits fiduciary to Growth Stage and Custom startups; The Hartford offers it in Private Choice Premier and to nonprofits, public and private companies. ^2,^1,⁴

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

Who Each Product Is Built For

Corgi adds fiduciary at its Growth Stage and Custom package tiers. The Hartford lists coverage for nonprofit, publicly traded and privately held companies, with a separate fiduciary line for financial institutions. ² ⁴

How Coverage Is Explained

Corgi’s form covers excessive-fee litigation, administration errors, and late contribution deposits, and excludes settlor acts, ESOPs, and multi-employer plans. The Hartford says fiduciary liability helps protect a business from claims of fiduciary mismanagement, giving the example of a staff member whose medical bills were not paid in accordance with the employer’s benefit plans. ¹ ⁴

Published Limits

Corgi shows illustrative $1 million per claim / $2 million aggregate limits, defense inside the limit, and a $25,000 retention. The Hartford’s reviewed management-liability page does not publish fiduciary limits or retentions. ¹ ⁴

Buying Path

Corgi quotes online. The Hartford presents fiduciary as an option inside Private Choice Premier rather than as a standalone startup SKU with a public form number. ¹ ⁴

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

If you are a public company, Corgi’s startup packages are not the documented audience; ask The Hartford about Private Choice Premier versus the financial-institutions product. ² ⁴
Ask Corgi whether unpaid-benefit allegations like The Hartford’s medical-bill example are treated as administration errors or as something else. ¹ ⁴
Get The Hartford’s actual fiduciary limit; Corgi’s figures are labeled illustrative. ⁴ ¹
Confirm Corgi’s investigation-cost exclusion if a DOL exam is possible. ¹

Corgi vs The Hartford Fiduciary Liability Insurance Compared

Corgi vs The Hartford: Fiduciary Liability Insurance: documented features by provider

Criteria	Corgi Fiduciary Liability	The Hartford Fiduciary Liability Insurance
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.	The Hartford says fiduciary liability insurance helps protect a business from claims of fiduciary mismanagement, giving as an example a staff member's claim after their medical bills weren't paid in accordance with the employer's benefit plans. ⁴Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	The Hartford's fiduciary liability coverage is one of five options in its Private Choice Premier management-liability package; it also offers a separate fiduciary liability line within its financial-institutions management and professional liability products. ⁴Company-reported. Management liability product page as read 2026-09-23.

Criteria

Corgi Fiduciary Liability

The Hartford Fiduciary Liability Insurance

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.

The Hartford says fiduciary liability insurance helps protect a business from claims of fiduciary mismanagement, giving as an example a staff member's claim after their medical bills weren't paid in accordance with the employer's benefit plans. ⁴Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

The Hartford's fiduciary liability coverage is one of five options in its Private Choice Premier management-liability package; it also offers a separate fiduciary liability line within its financial-institutions management and professional liability products. ⁴Company-reported. Management liability product page as read 2026-09-23.