Gallagher vs RiskCube Fiduciary Liability Insurance

Gallagher's Executive and Financial Risk practice places fiduciary liability coverage with outside carriers and advises on limits; it does not underwrite the policy. ³Company-reported. Group-level executive-and-financial-risk practice page.

RiskCube lists Fiduciary Liability Insurance as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. ⁹Company-reported. Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail.

The executive-and-financial-risk page does not name the insurer that would issue a given client's fiduciary liability policy. ³Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

Not described in the reviewed sources.

Gallagher targets this coverage at corporations sponsoring retirement or welfare benefit plans, since the described exposure is tied specifically to ERISA fiduciary duties. ³Company-reported. Group-level executive-and-financial-risk practice page.

RiskCube's catalogue says fiduciary liability coverage is "required by many institutional investors," positioning it as an investor-driven purchase rather than a coverage every startup is expected to carry from day one. ⁹Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

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. ³Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.

RiskCube's catalogue describes fiduciary liability as covering directors, officers and plan administrators against claims of mismanaging employee benefit plans, including 401(k) plans, health benefits and stock option programs. ⁹Company-reported. One-paragraph catalogue card; no policy form or exclusion list was found for this line.

The page does not publish specific fiduciary liability limits or premium ranges beyond describing its proprietary limit-selection models. ³Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. ^9,10Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote.

Gallagher says it has proprietary models to measure fiduciary risk and assist clients in selecting coverage limits. ³Company-reported. Group-level executive-and-financial-risk practice page.

Not described in the reviewed sources.

Not described in the reviewed sources.

Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for Fiduciary Liability (riskcubeai.com/insurance/fiduciary-liability) redirects to a general contact form rather than a dedicated page describing a fiduciary-specific application flow or required intake information. Guessed slugs /insurance/fiduciary and /insurance/fiduciary-insurance both 404. ¹⁰Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later.