---
title: "Embroker vs HUB International Fiduciary Liability Insurance"
description: "Embroker sells fiduciary online and lists ERISA funding as an exclusion; HUB brokers the line as separate from D&O and names insufficient funding as a covered claim example."
canonical: "https://spot.insure/compare/embroker-vs-hub-international/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Embroker vs HUB International Fiduciary Liability Insurance

Embroker sells fiduciary online and lists ERISA funding as an exclusion; HUB brokers the line as separate from D&O and names insufficient funding as a covered claim example.

## Research Scope and Use

Use this comparison to evaluate Embroker and HUB International 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

Embroker quotes fiduciary liability online, lists failure to fund a plan under ERISA as an exclusion, and publishes typical premiums. HUB International brokers fiduciary cover for employers with health or retirement plans, treats it as distinct from D&O, and lists insufficient plan funding among claim scenarios it covers. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## What Is Embroker?

Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Fiduciary Liability Insurance?

Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [9](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") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Funding Language Does Not Match

Embroker says the policy excludes failure to fund a plan in accordance with ERISA, along with criminal activity and outside advisors. HUB lists insufficient plan funding among the claim scenarios its fiduciary product page says it covers, together with administrator mistakes, benefits denials, and poor investment selection. Those are marketing descriptions, not specimen forms, so the wording on a quote still has to be checked. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### 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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### 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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### 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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## What to Confirm in 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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Ask whether HUB is placing fiduciary separate from D&O, matching its product-page statement. [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Compare Embroker’s quoted limit with whatever HUB’s broker proposes; HUB does not publish a schedule. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Identify both issuing insurers; neither reviewed page names them. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## Offering Details

| Criteria | Embroker Fiduciary Liability Insurance | HUB International Fiduciary Liability Insurance Brokerage |
| --- | --- | --- |
| 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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer..) |
| 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. [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the fiduciary liability product page on 2026-09-23..) |
| 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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page target-audience description; not a published underwriting appetite..) |
| 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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim..)<br><br>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. [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page statement distinguishing fiduciary liability from D&O..) |
| Limits and Retentions | 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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the fiduciary liability product page on 2026-09-23; the $1 million figure describes potential exposure, not an offered limit..) |
| Risk Services | 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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Not found in reviewed sources; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page educational video reference..) |
| How to Apply | Embroker offers an online quote for fiduciary liability through its digital platform. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page calls to action..) |

## Full Comparison

- [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability insurance can help with covered claims alleging that your business or its people breached duties in managing an employee benefit plan.
- [Embroker vs HUB International Business Owner’s Policy](https://spot.insure/compare/embroker-vs-hub-international/business-owners-policy)
- [Embroker vs HUB International Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-hub-international/commercial-auto)
- [Embroker vs HUB International Commercial Property Insurance](https://spot.insure/compare/embroker-vs-hub-international/commercial-property)
- [Embroker vs HUB International Crime Insurance](https://spot.insure/compare/embroker-vs-hub-international/crime)
- [Embroker vs HUB International Cyber Insurance](https://spot.insure/compare/embroker-vs-hub-international/cyber)
- [Embroker vs HUB International D&O Insurance](https://spot.insure/compare/embroker-vs-hub-international/directors-officers)
- [Embroker vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/employment-practices)
- [Embroker vs HUB International General Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/general-liability)
- [Embroker vs HUB International Key Person Insurance](https://spot.insure/compare/embroker-vs-hub-international/key-person)
- [Embroker vs HUB International Management Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/management-liability)
- [Embroker vs HUB International Product Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/product-liability)
- [Embroker vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-hub-international/professional-errors-omissions)
- [Embroker vs HUB International Surety Bonds](https://spot.insure/compare/embroker-vs-hub-international/surety-bonds)
- [Embroker vs HUB International Tech E&O Insurance](https://spot.insure/compare/embroker-vs-hub-international/technology-errors-omissions)
- [Embroker vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-hub-international/workers-compensation)
- [Alliance Risk vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/fiduciary)
- [Alliance Risk vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/fiduciary)
- [Beazley vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-embroker/fiduciary)
- [Beazley vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/fiduciary)
- [Chubb vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-embroker/fiduciary)
- [Chubb vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/fiduciary)

## Sources

### Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Fiduciary Liability Insurance: What Is It & How It Works](https://www.embroker.com/coverage/fiduciary-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Fiduciary Liability insurance?; What's covered; What's not included; Are there additional coverages available with Fiduciary Liability insurance?; What does Fiduciary Liability cost?. Accessed 2026-09-23.

### HUB International

5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
8. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Target audience: employers offering health-care and retirement benefit plans; list of covered claim scenarios; statement distinguishing fiduciary liability from D&O; $1 million defense-and-settlement-cost reference; "Prevent Fiduciary Liability Claims" video; Connect With a Broker / Contact a HUB broker calls to action. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

9. [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.
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 2026-09-23. 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.

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