---
title: "Gallagher vs StartupInsurance.ai Fiduciary Liability Insurance"
description: "Gallagher models ERISA fiduciary limits for corporate sponsors; StartupInsurance.ai quotes the line online and checks forms for AI exclusions."
canonical: "https://spot.insure/compare/gallagher-vs-startupinsurance/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Gallagher 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

Gallagher brokers fiduciary liability for ERISA plan personnel and uses proprietary models to select limits. StartupInsurance.ai places fiduciary as a startup-program line you can tick on an online quote screen and says it reviews forms for blanket AI exclusions. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [7](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. [9](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") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

Gallagher’s reviewed page does not discuss AI endorsements. StartupInsurance.ai’s reviewed pages do not describe a fiduciary limit-sizing model. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

## 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](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask StartupInsurance.ai whether the quoted fiduciary form carries an AI exclusion and which insurer is on the declarations. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Confirm insured persons: Gallagher’s ERISA fiduciaries and committees versus the benefit-plan-management wording on StartupInsurance.ai’s intake screen. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")
- If you already have a policy, ask StartupInsurance.ai what the 48-hour check actually reviews on the fiduciary form. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## Offering Details

| 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. [3](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..) | 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. [8](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 | The executive-and-financial-risk page does not name the insurer that would issue a given client's fiduciary liability policy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [8](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 | Gallagher targets this coverage at corporations sponsoring retirement or welfare benefit plans, since the described exposure is tied specifically to ERISA fiduciary duties. [3](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..) | 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. [3](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..) | 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. [8](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 | The page does not publish specific fiduciary liability limits or premium ranges beyond describing its proprietary limit-selection models. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [3](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..) | 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. [8](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 | 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." [7](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

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

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/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.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
3. [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.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/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

6. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
7. [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.
8. [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

9. [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.
10. [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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