---
title: "Counterpart vs Embroker: Fiduciary Liability Insurance"
description: "Counterpart describes benefit-plan exposures with illustrative limits; Embroker states premiums of $500 to $2,500 and limits up to $20 million."
canonical: "https://spot.insure/compare/counterpart-vs-embroker/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "counterpart-vs-embroker"
provider-a: "counterpart"
provider-b: "embroker"
coverage-line: "fiduciary"
---

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

## Agent Guide

**What this page is:** Focused comparison of Counterpart and Embroker for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about Counterpart versus Embroker. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Counterpart vs Embroker for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Counterpart or Embroker?
- What does Counterpart or Embroker publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from Counterpart or Embroker?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Counterpart and Embroker.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Counterpart vs Embroker](https://spot.insure/compare/counterpart-vs-embroker) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile (evidence)
- [Counterpart vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-embroker/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Embroker General Liability Insurance](https://spot.insure/compare/counterpart-vs-embroker/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-embroker/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-embroker/fiduciary) — sibling comparison (other line, or other pair for this line)

# Counterpart vs Embroker: How Do They Compare for Fiduciary Liability Insurance?

Counterpart describes benefit-plan exposures with illustrative limits; Embroker states premiums of $500 to $2,500 and limits up to $20 million.

## Research Scope and Use

Use this comparison to evaluate Counterpart and Embroker 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

Counterpart’s fiduciary page identifies plan-related exposures and illustrative terms. Embroker describes automatic coverage for many new plans and publishes premium and limit ranges. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Embroker?

Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. [5](https://www.embroker.com/ "Embroker") [6](https://www.embroker.com/terms/ "Terms And Conditions") [7](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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. [9](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") [10](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### New Plans and Covered Acts

Embroker targets companies offering health, dental, vision, retirement plans, or stock options, and says many new or acquired plans receive automatic coverage. Counterpart’s dedicated page describes employer and plan contexts. If you have recently added a benefit plan, ask both how the policy handles newly created or acquired plans and whether outside administrators are insured. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

### Limits and Cost

Embroker reports fiduciary premiums typically between $500 and $2,500 per year and limits up to $20 million, with price driven partly by plan assets and service-provider quality. Counterpart labels its published limits illustrative. Those figures are not a quote; compare the actual limit, retention, exclusions, and premium for the same plan assets. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask Embroker what automatic coverage applies to newly created or acquired plans and whether service-provider claims are excluded. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance")
- Ask Counterpart for a plan-specific quote with the actual limit, retention, and premium. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

## Offering Details

| Criteria | Counterpart Fiduciary Liability | Embroker Fiduciary Liability Insurance |
| --- | --- | --- |
| Role in This Line | Counterpart describes a producer and surplus-lines broker distributing insurance through wholesale brokers. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: This describes Counterpart’s channel and does not identify the issuing insurer for a fiduciary placement..) | Embroker sells fiduciary liability as a standalone policy and says it is most commonly bundled with directors and officers and employment practices liability coverage. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) |
| Who It’s For | Counterpart describes employer and benefit-plan contexts on its dedicated Fiduciary Liability page. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: This is product marketing, not proof a given plan, sponsor or fiduciary is eligible..) | Embroker targets companies that provide medical, dental, vision or other benefits, or that offer retirement plans or stock options, and says very small businesses without benefit plans generally don't need the coverage. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page eligibility description; not a guarantee of coverage for a particular business..) |
| Coverage Features | Counterpart’s fiduciary page addresses benefit-plan administration and ERISA-related exposures. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: The retained product description does not establish the full insured-party definition, ERISA terms or exclusions..) | Embroker lists coverage for errors and omissions in administering benefit plans and imprudent selection of investments or third-party service providers, and says most newly created or acquired plans get automatic coverage. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker says the policy excludes criminal activity such as embezzlement, outside advisors or administrators hired to manage the benefit plans, and failure to fund a plan in accordance with ERISA. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's not included section..) |
| Limits and Retentions | The page includes illustrative limit examples for fiduciary coverage. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Figures are examples and are not a quote or guaranteed available limit..) | Embroker says fiduciary liability premiums typically range from $500 to $2,500 per year and that policies can cover as much as $20 million, driven mainly by total plan assets under management, the policy limit and the quality of service providers. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page 'What does Fiduciary Liability cost?' section; actual pricing and limits depend on underwriting..) |
| Risk Services | Confirm in your quote. | The reviewed fiduciary liability page does not describe dedicated risk-control or plan-administration review services beyond general references to the Embroker Resource Hub and chat support. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Not found in reviewed sources; scope: Product page as read on 2026-09-23..) |
| How to Apply | Confirm in your quote. | Embroker offers an online quote for fiduciary liability through its digital platform. [8](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature description; no quote was requested during this research..) |

## Full Comparison

- [Counterpart vs Embroker](https://spot.insure/compare/counterpart-vs-embroker): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Counterpart vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-embroker/employment-practices)
- [Counterpart vs Embroker General Liability Insurance](https://spot.insure/compare/counterpart-vs-embroker/general-liability)
- [AIG vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/fiduciary)
- [AIG vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-embroker/fiduciary)
- [Alliance Risk vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/fiduciary)
- [Alliance Risk vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/fiduciary)
- [Aon vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-counterpart/fiduciary)
- [Aon vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-embroker/fiduciary)

## Sources

### Counterpart

1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
3. [Fiduciary Liability Insurance](https://yourcounterpart.com/products/fid). Counterpart, Inc.; Retained provider source: product page covers plan/employer eligibility, ERISA and plan administration, with examples and illustrative limits; prior access 2026-09-28. Direct reopen timed out in this session.. Accessed 2026-09-28.
4. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Embroker

5. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
6. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
7. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
8. [Fiduciary Liability Insurance: What Is It & How It Works](https://www.embroker.com/coverage/fiduciary-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Fiduciary Liability insurance?; What's covered; What's not included; Are there additional coverages available with Fiduciary Liability insurance?; What does Fiduciary Liability cost?. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

9. [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.
10. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). 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.
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 2026-09-30. 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.

## Counterpart Reviews

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Embroker Reviews

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/embroker/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/counterpart-vs-embroker/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)