What Is Corgi Insurance?
Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. 1,2,3,4,5
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 7,8
What Is Fiduciary Liability Insurance?
Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. 11,12,13
Key Differences in Fiduciary Liability Insurance
Investigations and covered claims
Corgi’s standard form does not treat Department of Labor investigations, IRS audits, or HHS inquiries as covered claims; it says only a resulting participant lawsuit qualifies, and investigation costs themselves are not covered. Zurich’s Fiduciary Liability Select addresses claims and investigations involving administration of employee savings, pension, and health or welfare plans. A plan sponsor facing regulatory scrutiny should ask Zurich for its investigation trigger and compare it with Corgi’s explicit limitation, then check defense-cost treatment in the proposed form. 6 10
Plan structure and purchase timing
Corgi offers fiduciary liability in Growth Stage and Custom startup packages, not its Pre-Seed & Seed or Series A tiers, and shows illustrative limits up to $1 million per claim and $2 million aggregate. Zurich says its fiduciary coverage is available standalone or packaged for public and private companies. Buyers should check Corgi’s stage-based availability and retention against their plan’s needs, while asking Zurich which structure and limit apply. 2 6 9
What to Confirm in Fiduciary Liability Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Corgi
Review Score
No reviews found
The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.[4][8]
Read Corgi reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
Corgi vs Zurich U.S.: Fiduciary Liability Insurance: documented features by provider
| Criteria | Corgi Fiduciary Liability | Zurich 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. 2Company-reported. Homepage package contents as read on 2026-09-23. | Confirm in your quote. |
| 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. 6,1Company-reported. Fiduciary product page and general Corgi underwriting disclosure; not specific confirmation of which entity underwrites fiduciary policies. | Confirm in your quote. |
| 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. 6Company-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. 6Company-reported. Fiduciary scenario note 3. | Zurich’s Fiduciary Liability Select addresses claims and investigations involving administration of employee savings, pension and health/welfare plans. 10Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich says it offers stand-alone and packaged fiduciary policies for public and private companies. 9Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich lists current advancement of defense costs and no restrictions to panel-counsel lists as coverage-solution features. 10Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 6Company-reported. Fiduciary coverage table, described as illustrative. | Confirm in your 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. 6Not found in reviewed sources. Fiduciary product page as read on 2026-09-23. | Zurich says qualified multinational fiduciary customers can structure global programs with locally admitted policies tied to a U.S. master policy. 9Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 6Company-reported. Fiduciary product page call to action. | Confirm in your quote. |
Full Comparison
More Corgi vs Zurich U.S. Comparisons
Other Fiduciary Liability Insurance Comparisons
Sources
Corgi
- Disclaimers & Licensing. Corgi Insurance; About Corgi; How Insurance Is Provided Through Corgi (Underwriting); Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. 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.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- 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.
- Fiduciary Liability Insurance for Startups. 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.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Fiduciary Liability Insurance | Zurich U.S. Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
- Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability. Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
