Embroker vs StartupInsurance.ai 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.

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. ⁷Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23.

Not described in the reviewed sources.

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. ⁷Not publicly disclosed. Homepage carrier panel as read 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.

Not described in the reviewed sources.

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.

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. ⁷Company-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.

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.

Not described in the reviewed sources.

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.

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. ⁷Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy.

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.

"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." ⁶Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line.