---
title: "Gallagher vs HUB International: Fiduciary Liability Insurance"
description: "Gallagher uses proprietary models to help select fiduciary limits; HUB lists claim scenarios from administrator errors to incorrect plan termination and says D&O does not cover fiduciary exposure."
canonical: "https://spot.insure/compare/gallagher-vs-hub-international/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "gallagher-vs-hub-international"
provider-a: "gallagher"
provider-b: "hub-international"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-hub-international/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of Gallagher and HUB International for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about Gallagher versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Gallagher vs HUB International for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Gallagher or HUB International?
- What does Gallagher or HUB International publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Gallagher and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international) — all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — how this coverage works
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# Gallagher vs HUB International: How Do They Compare for Fiduciary Liability Insurance?

Gallagher brokers fiduciary coverage for corporations sponsoring benefit plans and uses proprietary risk models; HUB International serves employers with retirement or health-care plans and describes benefit-plan claim scenarios.

Gallagher advises on fiduciary limits with proprietary models; HUB names claim scenarios including administrator mistakes and improper plan termination and says D&O does not cover the line.

## Gallagher vs HUB International Fiduciary Liability Insurance Summary

Gallagher uses proprietary models to help select fiduciary limits; HUB lists claim scenarios from administrator errors to incorrect plan termination and says D&O does not cover fiduciary exposure. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## What Are the Key Differences Between Gallagher and HUB International Fiduciary Liability Insurance?

### Limit Selection Versus Claim-Scenario Catalogue

Gallagher says its proprietary models measure fiduciary risk and assist clients in selecting limits, without publishing figures. HUB also omits policy limits, but lists claim scenarios including administrator mistakes, benefit reductions and incorrect plan termination. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### ERISA Designers Versus DOL and PBGC Claimants

Gallagher describes protection for a corporation’s ERISA fiduciaries, committees, and personnel who design or implement 401(k) or pension plans. HUB targets employers offering health-care or retirement plans who may face litigation from participants, the Department of Labor, or the Pension Benefit Guaranty Corporation. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### Relation to D&O

HUB states that fiduciary exposure is not covered by directors and officers policies. Gallagher’s reviewed executive-risk page describes fiduciary as its own placement and limit-advice exercise; it does not make that D&O contrast in the fiduciary section. Both are brokers, not issuers, and neither page names a carrier. [2](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### How You Engage

HUB sends prospects to connect with a broker and hosts a prevention video. Gallagher’s page is a practice overview rather than a self-serve quote. [2](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Should You Confirm in Gallagher and HUB International Fiduciary Liability Insurance Quotes?

- Ask Gallagher what limit its model produced and compare it with HUB’s proposed schedule. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Confirm fiduciary is not folded into D&O, matching HUB’s statement. [2](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Check whether DOL or PBGC actions are treated as covered claims. [2](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Get both issuing insurers. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [2](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## Gallagher vs HUB International Fiduciary Liability Insurance Compared

| Criteria | Gallagher Fiduciary Liability Insurance | HUB International Fiduciary Liability Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | Gallagher targets this coverage at corporations sponsoring retirement or welfare benefit plans, since the described exposure is tied specifically to ERISA fiduciary duties. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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. [2](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 | Gallagher describes fiduciary liability as protecting a corporation's Employee Retirement Income Security Act (ERISA) fiduciaries, fiduciary committees and personnel who design or implement 401(k) or pension plans for employees and retirees. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions..) | 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. [2](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. [2](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..) |
| Role in This Line | Gallagher's Executive and Financial Risk practice places fiduciary liability coverage with outside carriers and advises on limits; it does not underwrite the policy. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | HUB brokers fiduciary liability insurance for employers that sponsor health-care and retirement benefit plans, rather than underwriting the coverage itself. [2](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..) |
| Risk Services | Gallagher says it has proprietary models to measure fiduciary risk and assist clients in selecting coverage limits. [1](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) | 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. [2](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page educational video reference..) |

## About Gallagher and HUB International and Fiduciary Liability

- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)

## Related Pages for Gallagher vs HUB International Fiduciary Liability

- [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Gallagher Fiduciary Liability Insurance](https://spot.insure/insurance-providers/gallagher/fiduciary)
- [HUB International Fiduciary Liability Insurance](https://spot.insure/insurance-providers/hub-international/fiduciary)

## Sources for Gallagher vs HUB International

### Sources About Gallagher

1. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Fiduciary Liability (Pension and Welfare Liability) insurance section. Accessed 2026-09-23.

### Sources About HUB International

2. [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.

Updated 2026-09-25. 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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