--- title: "Counterpart vs StartupInsurance.ai: Fiduciary Liability Insurance" description: "Counterpart publishes fiduciary limit examples; StartupInsurance.ai offers digital intake and a policy check focused on AI exclusions in fiduciary forms." canonical: "https://spot.insure/compare/counterpart-vs-startupinsurance/fiduciary" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "counterpart-vs-startupinsurance" provider-a: "counterpart" provider-b: "startupinsurance" 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-startupinsurance/fiduciary) ## Agent Guide **What this page is:** Focused comparison of Counterpart and StartupInsurance.ai 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 StartupInsurance.ai. 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 StartupInsurance.ai for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, Counterpart or StartupInsurance.ai? - What does Counterpart or StartupInsurance.ai publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from Counterpart or StartupInsurance.ai? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: Counterpart and StartupInsurance.ai. - 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 StartupInsurance.ai](https://spot.insure/compare/counterpart-vs-startupinsurance) — 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) - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile (evidence) - [Counterpart vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/counterpart-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [Counterpart vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/counterpart-vs-startupinsurance/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 StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/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 StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/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 StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-startupinsurance/fiduciary) — sibling comparison (other line, or other pair for this line) # Counterpart vs StartupInsurance.ai: How Do They Compare for Fiduciary Liability Insurance? Counterpart publishes fiduciary limit examples; StartupInsurance.ai offers digital intake and a policy check focused on AI exclusions in fiduciary forms. ## Research Scope and Use Use this comparison to evaluate Counterpart and StartupInsurance.ai 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 gives illustrative fiduciary limits. StartupInsurance.ai offers an online fiduciary intake option and checks existing forms for AI exclusions. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## 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 StartupInsurance.ai? StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. [5](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) ## 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. [8](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") [9](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [10](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 public fiduciary material covers benefit-plan administration and ERISA exposures, with illustrative limit examples. StartupInsurance.ai lists fiduciary as one of seven online intake choices and separately offers a policy check focused on AI exclusions in fiduciary forms. For a startup already reviewing its forms for that exclusion, its service addresses a specific renewal concern; Counterpart’s examples can instead anchor a discussion of limit size. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ### Placement, Limits, and Service Details The purchase routes are distinct: StartupInsurance.ai presents a digital coverage selection and existing-policy review, while Counterpart distributes insurance through wholesale brokers. StartupInsurance.ai does not identify the fiduciary insurer on a specific to this coverage basis. Before comparing, ask who underwrites the proposed placement, whether the AI exclusion is present, and what form and limits the Counterpart broker is quoting. [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## What to Confirm in Fiduciary Liability Insurance Quotes - Does the StartupInsurance.ai proposal include fiduciary coverage, and which carrier and AI-exclusion endorsement apply? [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - Which Counterpart limits, retention and insurer are available for the plan? [3](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") ## Offering Details | Criteria | Counterpart Fiduciary Liability | StartupInsurance.ai 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..) | StartupInsurance.ai names fiduciary liability as one of the lines its startup program places, alongside general liability, D&O, tech E&O, cyber, employment practices and crime. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Coverage: What we place" list as read on 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | The reviewed pages do not name an insurer for fiduciary liability specifically; the homepage's carrier panel is program-wide and not broken out by coverage line. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel as read on 2026-09-23..) | | 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..) | Confirm in your quote. | | 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..) | StartupInsurance.ai says one major carrier added a blanket AI exclusion to fiduciary forms (along with D&O and E&O), typically arriving at renewal inside an endorsement, and that it checks policies for this exclusion. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed fiduciary policy carries this specific endorsement..) | | 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..) | Confirm in your quote. | | Risk Services | Confirm in your quote. | StartupInsurance.ai's free policy check reviews an existing program for AI exclusions within 48 hours, and the homepage specifically calls out fiduciary as one of the forms affected by the AI-exclusion trend it checks for. [6](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy..) | | How to Apply | Confirm in your quote. | "Fiduciary" is one of seven coverage boxes on StartupInsurance.ai's online quote-intake screen, described there as covering "claims related to employee benefit plan management." [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) | ## Full Comparison - [Counterpart vs StartupInsurance.ai](https://spot.insure/compare/counterpart-vs-startupinsurance): 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 StartupInsurance.ai D&O Insurance](https://spot.insure/compare/counterpart-vs-startupinsurance/directors-officers) - [Counterpart vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/counterpart-vs-startupinsurance/general-liability) - [AIG vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/fiduciary) - [AIG vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-startupinsurance/fiduciary) - [Alliance Risk vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/fiduciary) - [Alliance Risk vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/fiduciary) - [Aon vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-counterpart/fiduciary) - [Aon vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-startupinsurance/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. ### StartupInsurance.ai 5. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16. 6. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Coverage: What we place; Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); The free policy check. Accessed 2026-09-23. 7. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Fiduciary — “Covers claims related to employee benefit plan management”. Accessed 2026-09-23. ### Fiduciary Liability Insurance Guide 8. [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. 9. [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. 10. [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). ## StartupInsurance.ai Reviews Review Score: not enough ratings. StartupInsurance.ai 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/startupinsurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/counterpart-vs-startupinsurance/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)