Embroker vs 
HUB International: How Do They Compare for Fiduciary Liability Insurance?
Embroker sells fiduciary insurance online and publishes limits and exclusions; HUB International brokers the coverage for employers offering retirement or health-care plans and lists examples involving plan administrators.
Embroker excludes ERISA plan-funding failures; HUB lists insufficient funding among fiduciary claim scenarios and says D&O does not cover the line. 1,2
What Are the Key Differences Between Embroker and HUB International Fiduciary Liability Insurance?
Funding Language Does Not Match
Embroker says it excludes a plan’s failure to fund benefits in accordance with ERISA. HUB lists insufficient plan funding among its fiduciary claim examples, alongside administrator mistakes and benefit denials. Ask each for the exact wording that applies to your plan’s funding responsibilities. 1 2
Sale Versus Brokerage
Embroker sells a standalone fiduciary policy, often with D&O and EPL, through an online quote. HUB brokers the line for employers that sponsor health-care or retirement plans and does not underwrite; it also states that fiduciary exposure is not covered by D&O. 1 2
Published Dollars
Embroker cites typical premiums of $500 to $2,500 and limits as high as $20 million. HUB does not publish policy limits; its $1 million figure is a combined defense-and-settlement cost example for claims, not a limit. 1 2
How You Engage
Embroker’s path is a digital quote. HUB uses “Connect With a Broker.” HUB also hosts a prevention video; Embroker’s fiduciary page does not describe a dedicated risk-control program. 1 2
What Should You Confirm in Embroker and HUB International Fiduciary Liability Insurance Quotes?
- Read the funding clause on both specimens; Embroker lists ERISA funding failure as excluded, while HUB names insufficient funding as a covered scenario. 1 2
- Ask whether HUB is placing fiduciary separate from D&O, matching its product-page statement. 2
- Compare Embroker’s quoted limit with whatever HUB’s broker proposes; HUB does not publish a schedule. 1 2
- Identify both issuing insurers; neither reviewed page names them. 1 2
Embroker vs HUB International Fiduciary Liability Insurance Compared
Embroker vs HUB International: Fiduciary Liability Insurance: documented features by provider
| Criteria | Embroker Fiduciary Liability Insurance | HUB International Fiduciary Liability Insurance Brokerage |
|---|---|---|
| Who It’s For | 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. 1Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business. | HUB targets fiduciary liability brokerage at employers offering health-care or retirement benefit plans who face potential litigation from plan participants, the Department of Labor or the Pension Benefit Guaranty Corporation. 2Company-reported. Product-page target-audience description; not a published underwriting appetite. |
| How to Apply | Embroker offers an online quote for fiduciary liability through its digital platform. 1Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research. | HUB directs fiduciary liability prospects to "Connect With a Broker" or "Contact a HUB broker" rather than an online quote or bind flow. 2Company-reported. Product-page calls to action. |
| Coverage Features | 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. 1Company-reported. Product-page What's covered section; the issued policy and declarations control. 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. 1Company-reported. Product-page What's not included section. | HUB lists fiduciary liability claim scenarios it covers as including a plan's insurer, mutual fund or third-party administrator making bad choices, plan administration errors or conflicts of interest, benefits denial, changes or reductions, bad advice or improper counsel, insufficient plan funding, poor investment selection and incorrect plan termination. 2Company-reported. Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim. HUB states that fiduciary liability exposure "is not covered by director's and officers' liability policies," positioning fiduciary liability as a separate line from D&O rather than a bundled coverage. 2Company-reported. Product-page statement distinguishing fiduciary liability from D&O. |
| Role in This Line | Embroker sells fiduciary liability as a standalone policy and says it is most commonly bundled with directors and officers and employment practices liability coverage. 1Company-reported. Product-page description; not a statement about the issuing insurer. | HUB brokers fiduciary liability insurance for employers that sponsor health-care and retirement benefit plans, rather than underwriting the coverage itself. 2Company-reported. Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer. |
