--- title: "Counterpart vs RiskCube: Fiduciary Liability Insurance" description: "Counterpart shows illustrative fiduciary limits, while RiskCube positions the line for startups responding to investor expectations around benefit plans." canonical: "https://spot.insure/compare/counterpart-vs-riskcube/fiduciary" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "counterpart-vs-riskcube" provider-a: "counterpart" provider-b: "riskcube" coverage-line: "fiduciary" --- 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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/counterpart-vs-riskcube/fiduciary) ## Agent Guide **What this page is:** Focused comparison of Counterpart and RiskCube 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 RiskCube. 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 RiskCube for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, Counterpart or RiskCube? - What does Counterpart or RiskCube publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from Counterpart or RiskCube? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: Counterpart and RiskCube. - 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 RiskCube](https://spot.insure/compare/counterpart-vs-riskcube) — 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) - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile (evidence) - [Counterpart vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/employment-practices) — sibling comparison (other line, or other pair for this line) - [Counterpart vs RiskCube General Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/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 RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/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 RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/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 RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-riskcube/fiduciary) — sibling comparison (other line, or other pair for this line) # Counterpart vs RiskCube: How Do They Compare for Fiduciary Liability Insurance? Counterpart shows illustrative fiduciary limits, while RiskCube positions the line for startups responding to investor expectations around benefit plans. ## Research Scope and Use Use this comparison to evaluate Counterpart and RiskCube 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 addresses ERISA plan administration and gives example limits; RiskCube describes coverage for startup plan administrators and investor-driven purchase needs. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## 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 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](https://riskcubeai.com/ "Startup Business Insurance") [6](https://riskcubeai.com/licenses "Licenses & Disclosures") [7](https://riskcubeai.com/disclosures "Disclosures & Compensation") [RiskCube profile](https://spot.insure/insurance-providers/riskcube) ## 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](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") [11](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## 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](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ### 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](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What to Confirm in Fiduciary Liability Insurance Quotes - Which investor-required plans and fiduciaries can RiskCube include, and what limits can it quote? [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") - What Counterpart limit and retention options apply to your plan, beyond the illustrative examples? [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") ## Offering Details | 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](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..) | 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. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [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..) | 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. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue marketing description, not an underwriting eligibility rule..) | | 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..) | 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. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [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..) | The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") [9](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube") (Evidence: Not publicly disclosed; scope: 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. [9](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube") (Evidence: Not found in reviewed sources; scope: Checked on 2026-09-23; the URL may change to a dedicated page later..) | ## Full Comparison - [Counterpart vs RiskCube](https://spot.insure/compare/counterpart-vs-riskcube): 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 RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/employment-practices) - [Counterpart vs RiskCube General Liability Insurance](https://spot.insure/compare/counterpart-vs-riskcube/general-liability) - [AIG vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/fiduciary) - [AIG vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-riskcube/fiduciary) - [Alliance Risk vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/fiduciary) - [Alliance Risk vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/fiduciary) - [Aon vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-counterpart/fiduciary) - [Aon vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-riskcube/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. ### RiskCube 5. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 6. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 7. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16. 8. [Startup Insurance Coverage](https://riskcubeai.com/insurance). 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. 9. [Contact RiskCube](https://riskcubeai.com/insurance/fiduciary-liability). 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 10. [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. 11. [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. 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 2026-09-30. 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). ## RiskCube Reviews Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/riskcube/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/counterpart-vs-riskcube/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)