---
title: "Corgi vs The Hartford Fiduciary Liability Insurance"
description: "Corgi’s startup form excludes settlor acts and investigation costs; The Hartford writes fiduciary inside Private Choice Premier, including for public companies."
canonical: "https://spot.insure/compare/corgi-vs-the-hartford/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

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

# Corgi vs The Hartford Fiduciary Liability Insurance

Corgi’s startup form excludes settlor acts and investigation costs; The Hartford writes fiduciary inside Private Choice Premier, including for public companies.

## Research Scope and Use

Use this comparison to evaluate Corgi and The Hartford 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 only in later startup packages. The Hartford offers fiduciary as one of five Private Choice Premier options and as a financial-institutions line for nonprofits, public companies, and private companies. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [7](https://www.thehartford.com/legal-notice "Legal Notice") [8](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [9](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Fiduciary Liability Insurance?

Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [11](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") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Who Each Product Is Built For

Corgi sells fiduciary to startups in Growth Stage and Custom packages. The Hartford makes fiduciary available to nonprofit organizations, publicly traded companies, and privately held companies inside management liability, including a separate financial-institutions product. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What to Confirm in 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask Corgi whether unpaid-benefit allegations like The Hartford’s medical-bill example are treated as administration errors or as something else. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Get The Hartford’s actual fiduciary limit; Corgi’s figures are labeled illustrative. [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Confirm Corgi’s investigation-cost exclusion if a DOL exam is possible. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

## Offering Details

| Criteria | Corgi Fiduciary Liability | The Hartford 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..) | 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. [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 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..) | Not described in the reviewed sources. |
| Who It’s For | Not described in the reviewed sources. | The Hartford's fiduciary liability coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 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..) | 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. [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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..) | 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..) | Not described in the reviewed sources. |

## Full Comparison

- [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford): 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 The Hartford Business Owner’s Policy](https://spot.insure/compare/corgi-vs-the-hartford/business-owners-policy)
- [Corgi vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-the-hartford/commercial-auto)
- [Corgi vs The Hartford Crime Insurance](https://spot.insure/compare/corgi-vs-the-hartford/crime)
- [Corgi vs The Hartford Cyber Insurance](https://spot.insure/compare/corgi-vs-the-hartford/cyber)
- [Corgi vs The Hartford D&O Insurance](https://spot.insure/compare/corgi-vs-the-hartford/directors-officers)
- [Corgi vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-the-hartford/employment-practices)
- [Corgi vs The Hartford General Liability Insurance](https://spot.insure/compare/corgi-vs-the-hartford/general-liability)
- [Corgi vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-the-hartford/hired-non-owned-auto)
- [Corgi vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-the-hartford/professional-errors-omissions)
- [Corgi vs The Hartford Tech E&O Insurance](https://spot.insure/compare/corgi-vs-the-hartford/technology-errors-omissions)
- [Corgi vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary)
- [Alliance Risk vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/fiduciary)
- [Beazley vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/fiduciary)
- [Beazley vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-the-hartford/fiduciary)
- [Chubb vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/fiduciary)
- [Chubb vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-the-hartford/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.

### The Hartford

7. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
8. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
9. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
10. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Fiduciary Liability Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

11. [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.
12. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-the-hartford/fiduciary.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)