---
title: "Embroker vs StartupInsurance.ai Fiduciary Liability Insurance"
description: "Embroker publishes fiduciary exclusions and premiums; StartupInsurance.ai places the line in a startup program and checks forms for blanket AI exclusions."
canonical: "https://spot.insure/compare/embroker-vs-startupinsurance/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Embroker vs StartupInsurance.ai Fiduciary Liability Insurance

Embroker publishes fiduciary exclusions and premiums; StartupInsurance.ai places the line in a startup program and checks forms for blanket AI exclusions.

## Research Scope and Use

Use this comparison to evaluate Embroker and StartupInsurance.ai 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 sells fiduciary liability online with listed exclusions and typical premiums of $500 to $2,500. StartupInsurance.ai places fiduciary among startup program lines, offers a coverage checkbox on its quote app, and says it reviews policies for blanket AI exclusions on fiduciary forms. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

## 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 StartupInsurance.ai?

StartupInsurance.ai is a marketing brand of ContractorNerd Insurance Services, LLC, offering startup insurance placement and policy reviews. Buyers can begin with an online coverage selection or a review of existing policies and contract requirements. [5](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

## What Is Fiduciary Liability Insurance?

Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [8](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") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Two Online Paths, Different Checks

Both Embroker and StartupInsurance.ai let you start fiduciary online: Embroker on a dedicated product quote, StartupInsurance.ai as one of seven coverage boxes described as covering claims related to employee benefit plan management. Embroker sells a standalone policy often bundled with D&O and EPL; StartupInsurance.ai places fiduciary inside a broader startup program. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### 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. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

### 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. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask both whether a blanket AI exclusion appears on the fiduciary form; only StartupInsurance.ai’s pages raise that issue. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Review Embroker’s ERISA funding and outside-advisor exclusions against StartupInsurance.ai’s specimen. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")
- Compare quoted limits with Embroker’s $20 million example; StartupInsurance.ai does not publish a schedule. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Confirm the issuing carrier on each quote. [4](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## Offering Details

| Criteria | Embroker Fiduciary Liability Insurance | StartupInsurance.ai Fiduciary Liability Insurance |
| --- | --- | --- |
| 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..) | 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. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Coverage: What we place" list as read on 2026-09-23..) |
| Issuing Insurer | 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. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel as read 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..) | Not described in the reviewed sources. |
| 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..) | 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. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | 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. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy..) |
| 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..) | "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." [6](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) |

## Full Comparison

- [Embroker vs StartupInsurance.ai](https://spot.insure/compare/embroker-vs-startupinsurance): 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 StartupInsurance.ai Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-startupinsurance/commercial-auto)
- [Embroker vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/embroker-vs-startupinsurance/commercial-property)
- [Embroker vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/embroker-vs-startupinsurance/directors-officers)
- [Embroker vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/embroker-vs-startupinsurance/general-liability)
- [Embroker vs StartupInsurance.ai Product Liability Insurance](https://spot.insure/compare/embroker-vs-startupinsurance/product-liability)
- [Embroker vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/embroker-vs-startupinsurance/surety-bonds)
- [Embroker vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/embroker-vs-startupinsurance/technology-errors-omissions)
- [Alliance Risk vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/fiduciary)
- [Alliance Risk vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/fiduciary)
- [Beazley vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-embroker/fiduciary)
- [Beazley vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-startupinsurance/fiduciary)
- [Chubb vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-embroker/fiduciary)
- [Chubb vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-startupinsurance/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.

### StartupInsurance.ai

5. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
6. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Fiduciary — “Covers claims related to employee benefit plan management”. Accessed 2026-09-23.
7. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Coverage: What we place; Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); The free policy check. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

8. [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.
9. [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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