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. 1,2
What Is RiskCube Insurance?
RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. 5,6,7
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. 10,11,12
Key Differences in Fiduciary Liability Insurance
What the Published Scope Emphasizes
Counterpart’s fiduciary page links the line to ERISA and benefit-plan administration and includes illustrative limits. RiskCube’s startup catalogue describes protection for directors, officers and plan administrators overseeing 401(k), health-benefit and stock-option programs, framing the purchase around institutional-investor expectations. A startup facing an investor request can use that framing to begin a quote, but should verify the actual insured persons and plan types in the policy. 3 8
Placement, Limits, and Service Details
The application evidence also diverges: Counterpart is distributed through wholesale brokers, while RiskCube’s fiduciary learn-more path leads to a general contact form rather than a dedicated intake description. RiskCube’s catalogue does not publish limits; Counterpart provides examples. Ask RiskCube for the complete submission checklist and request written limit and retention options from both providers. 3 8
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.
Counterpart
Review Score
No reviews found
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.[7][10]
Read Counterpart reviewsRiskCube
Review Score
No reviews found
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube reviewsOffering Details
Counterpart vs RiskCube: Fiduciary Liability Insurance: documented features by provider
| Criteria | Counterpart Fiduciary Liability | RiskCube Fiduciary Liability Insurance |
|---|---|---|
| Role in This Line | Counterpart describes a producer and surplus-lines broker distributing insurance through wholesale brokers. 1,4Company-reported. This describes Counterpart’s channel and does not identify the issuing insurer for a fiduciary placement. | RiskCube lists Fiduciary Liability Insurance as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. 8Company-reported. Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail. |
| Who It’s For | Counterpart describes employer and benefit-plan contexts on its dedicated Fiduciary Liability page. 3Company-reported. This is product marketing, not proof a given plan, sponsor or fiduciary is eligible. | RiskCube's catalogue says fiduciary liability coverage is "required by many institutional investors," positioning it as an investor-driven purchase rather than a coverage every startup is expected to carry from day one. 8Company-reported. Catalogue marketing description, not an underwriting eligibility rule. |
| Coverage Features | Counterpart’s fiduciary page addresses benefit-plan administration and ERISA-related exposures. 3Company-reported. The retained product description does not establish the full insured-party definition, ERISA terms or exclusions. | RiskCube's catalogue describes fiduciary liability as covering directors, officers and plan administrators against claims of mismanaging employee benefit plans, including 401(k) plans, health benefits and stock option programs. 8Company-reported. One-paragraph catalogue card; no policy form or exclusion list was found for this line. |
| Limits and Retentions | The page includes illustrative limit examples for fiduciary coverage. 3Company-reported. Figures are examples and are not a quote or guaranteed available limit. | The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. 8,9Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote. |
| How to Apply | Confirm in your quote. | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for Fiduciary Liability (riskcubeai.com/insurance/fiduciary-liability) redirects to a general contact form rather than a dedicated page describing a fiduciary-specific application flow or required intake information. Guessed slugs /insurance/fiduciary and /insurance/fiduciary-insurance both 404. 9Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later. |
Full Comparison
More Counterpart vs RiskCube Comparisons
Other Fiduciary Liability Insurance Comparisons
Sources
Counterpart
- Counterpart | Agentic Insurance™. 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.
- About Counterpart. 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.
- Fiduciary Liability Insurance. 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.
- 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.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
- Startup Insurance Coverage. RiskCube; Fiduciary Liability card: "Covers directors, officers, and plan administrators against claims of mismanagement of employee benefit plans — including 401(k) plans, health benefits, and stock option programs. Required by many institutional investors."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23.
- Contact RiskCube. RiskCube; The catalogue's Fiduciary Liability "Learn more" link resolves to a general contact form, not a dedicated fiduciary liability product page. Accessed 2026-09-23.
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.
