Gallagher vs 
StartupInsurance.ai Fiduciary Liability Insurance
Gallagher models ERISA fiduciary limits for corporate sponsors; StartupInsurance.ai quotes the line online and checks forms for AI exclusions.
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 1,2,3,4,5
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. 6,7
What Is Fiduciary Liability Insurance?
Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. 9,10
Key Differences in Fiduciary Liability Insurance
Executive-Risk Placement Versus Startup Program Checkbox
Gallagher shops fiduciary liability for corporations and the people who design 401(k) or pension plans, without underwriting the policy. StartupInsurance.ai names fiduciary among the lines its startup program places, next to general liability, D&O, tech E&O, cyber, employment practices and crime. 3 8
Limit Modeling Versus AI-Exclusion Review
Gallagher says it uses proprietary models to measure fiduciary risk and help clients choose limits. StartupInsurance.ai instead highlights wording: it says one major carrier added a blanket AI exclusion to fiduciary forms (and to D&O and E&O), often at renewal, and that a free policy check within 48 hours looks for that exclusion. 3 8
Gallagher’s reviewed page does not discuss AI endorsements. StartupInsurance.ai’s reviewed pages do not describe a fiduciary limit-sizing model. 3 8
How You Apply
Gallagher’s fiduciary work sits in a broker advisory conversation. StartupInsurance.ai puts “Fiduciary” on its online quote-intake screen as covering claims related to employee benefit plan management. 3 7
What to Confirm in Fiduciary Liability Insurance Quotes
- Ask Gallagher whether the modeled limit appears on the binder and which carrier issued the form. 3
- Ask StartupInsurance.ai whether the quoted fiduciary form carries an AI exclusion and which insurer is on the declarations. 8
- Confirm insured persons: Gallagher’s ERISA fiduciaries and committees versus the benefit-plan-management wording on StartupInsurance.ai’s intake screen. 3 7
- If you already have a policy, ask StartupInsurance.ai what the 48-hour check actually reviews on the fiduciary form. 8
Offering Details
Gallagher vs StartupInsurance.ai Fiduciary Liability Insurance: documented features by provider
| Criteria | Gallagher Fiduciary Liability Insurance | StartupInsurance.ai Fiduciary Liability Insurance |
|---|---|---|
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | 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. 8Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23. |
| Issuing Insurer | 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. | 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. 8Not publicly disclosed. Homepage carrier panel as read on 2026-09-23. |
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page. | Not described in the reviewed sources. |
| 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. 3Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. | 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. 8Company-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. |
| Limits and Retentions | 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. | Not described in the reviewed sources. |
| Risk Services | 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. | 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. 8Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy. |
| How to Apply | Not described in the reviewed sources. | "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." 7Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line. |
Full Comparison
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Sources
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Fiduciary Liability (Pension and Welfare Liability) insurance section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
StartupInsurance.ai
- Company | Startup Insurance. StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
- Apply for Startup Insurance | StartupInsurance.ai. StartupInsurance.ai; Coverage-selection screen: Fiduciary — “Covers claims related to employee benefit plan management”. Accessed 2026-09-23.
- Startup Insurance | Coverage that clears the review. 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
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
