Embroker vs StartupInsurance.ai: How Do They Compare for Fiduciary Liability Insurance?

Embroker sells a standalone fiduciary policy online with published limits and exclusions; StartupInsurance.ai includes the line in its startup intake and offers a free check for AI exclusions in fiduciary forms.

Embroker publishes fiduciary exclusions and typical premiums of $500–$2,500; StartupInsurance.ai includes the line in its online startup intake and checks forms for blanket AI exclusions. ^1,^2,³

What Are the Key Differences Between Embroker and StartupInsurance.ai Fiduciary Liability Insurance?

Two Online Paths, Different Checks

Both let buyers start online: Embroker has a dedicated fiduciary quote, while StartupInsurance.ai includes the line among seven coverage choices in its startup intake. Embroker offers standalone cover or commonly bundles it with D&O and EPL. ¹ ³ ²

AI Endorsements Versus ERISA Exclusions

StartupInsurance.ai says one major carrier added a blanket AI exclusion to fiduciary forms, often at renewal, and that a free policy check looks for it within 48 hours. Embroker’s reviewed fiduciary page does not discuss AI exclusions; it does list crime, outside advisors, and failure to fund a plan under ERISA as excluded. ² ¹

Cost Transparency

Embroker publishes typical premiums of $500 to $2,500 and limits as high as $20 million. StartupInsurance.ai’s reviewed homepage and quote screen do not publish fiduciary premiums or limits, and they do not name a fiduciary-specific insurer. ¹ ²

What Should You Confirm in Embroker and StartupInsurance.ai Fiduciary Liability Insurance Quotes?

Ask both whether a blanket AI exclusion appears on the fiduciary form; only StartupInsurance.ai’s pages raise that issue. ²
Review Embroker’s ERISA funding and outside-advisor exclusions against StartupInsurance.ai’s specimen. ¹
Compare quoted limits with Embroker’s $20 million example; StartupInsurance.ai does not publish a schedule. ¹ ²
Confirm the issuing carrier on each quote. ¹ ²

Embroker vs StartupInsurance.ai Fiduciary Liability Insurance Compared

Embroker vs StartupInsurance.ai: Fiduciary Liability Insurance: documented features by provider

Criteria	Embroker Fiduciary Liability Insurance	StartupInsurance.ai Fiduciary Liability Insurance
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.	"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." ³Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line.
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.	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. ²Company-reported. 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.
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.	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. ²Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23.

Criteria

Embroker Fiduciary Liability Insurance

StartupInsurance.ai Fiduciary Liability Insurance

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.

"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." ³Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line.

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.

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. ²Company-reported. 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.

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.

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. ²Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23.