Embroker vs HUB International Fiduciary Liability Insurance

Embroker sells fiduciary liability as a standalone policy and says it is most commonly bundled with directors and officers and employment practices liability coverage. ⁴Company-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. ⁸Company-reported. Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer.

Not described in the reviewed sources.

No insurer is named for fiduciary liability on the product page; the carrier depends on the placement. ⁸Not found in reviewed sources. Checked the fiduciary liability product page on 2026-09-23.

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. ⁴Company-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. ⁸Company-reported. Product-page target-audience description; not a published underwriting appetite.

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. ⁴Company-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. ⁴Company-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. ⁸Company-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. ⁸Company-reported. Product-page statement distinguishing fiduciary liability from D&O.

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. ⁴Company-reported. Product-page 'What does Fiduciary Liability cost?' section; actual pricing and limits depend on underwriting.

The product page does not publish specific policy limits or retentions; it references that combined defense and settlement costs on fiduciary claims can exceed $1 million as a risk statistic, not a policy limit. ⁸Not publicly disclosed. Checked the fiduciary liability product page on 2026-09-23; the $1 million figure describes potential exposure, not an offered limit.

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. ⁴Not found in reviewed sources. Product page as read on 2026-09-23.

HUB publishes a video on preventing fiduciary liability claims and administrative-error best practices on the product page, but the page does not describe a formal fiduciary risk-management or plan-review service. ⁸Company-reported. Product-page educational video reference.

Embroker offers an online quote for fiduciary liability through its digital platform. ⁴Company-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. ⁸Company-reported. Product-page calls to action.