---
title: "Gallagher vs The Hartford Fiduciary Liability Insurance"
description: "Gallagher brokers ERISA fiduciary coverage and models limits; The Hartford underwrites fiduciary as an option inside Private Choice Premier."
canonical: "https://spot.insure/compare/gallagher-vs-the-hartford/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Gallagher vs The Hartford Fiduciary Liability Insurance

Gallagher brokers ERISA fiduciary coverage and models limits; The Hartford underwrites fiduciary as an option inside Private Choice Premier.

## Research Scope and Use

Use this comparison to evaluate Gallagher and The Hartford 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 places fiduciary liability with outside carriers for corporate ERISA plan sponsors and advises on limits with proprietary models. The Hartford underwrites fiduciary liability as one of five options in Private Choice Premier and also as a line in its financial-institutions products. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [6](https://www.thehartford.com/legal-notice "Legal Notice") [7](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [8](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Fiduciary Liability Insurance?

Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [10](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") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Broker Versus Insurer on This Line

Gallagher’s Executive and Financial Risk practice places fiduciary liability with outside carriers and does not underwrite it. The Hartford’s fiduciary coverage is a product it underwrites: one of five options in Private Choice Premier, plus a separate fiduciary line in its financial-institutions management and professional liability products. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

A Gallagher quote still depends on whichever insurer it shops. A Hartford quote is Hartford’s form, subject to the package or financial-institutions product you buy. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### ERISA Plan Design Versus Unpaid Benefit Claims

Gallagher describes the exposure as ERISA duties of fiduciaries, committees and personnel who design or implement 401(k) or pension plans. The Hartford describes help against claims of fiduciary mismanagement, using the example of a staff member whose medical bills were not paid according to the employer’s benefit plans. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### Who Each Offering Is Aimed At

Gallagher targets corporations sponsoring retirement or welfare plans. The Hartford says the coverage is available to nonprofit organizations, publicly traded companies and privately held companies in its management-liability lineup. Gallagher also publishes proprietary limit-selection models; The Hartford’s reviewed management-liability page does not describe a comparable limit model for this line. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask whether Gallagher is placing a Hartford form or another carrier, and get the issuing company name. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask The Hartford whether fiduciary sits in Private Choice Premier or the financial-institutions product on your quote. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Compare who is an insured: Gallagher’s ERISA fiduciaries and committees versus Hartford’s management-liability insureds for nonprofits, public and private companies. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask Gallagher what limit its model supports; The Hartford’s reviewed page does not publish fiduciary limits. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## Offering Details

| Criteria | Gallagher Fiduciary Liability Insurance | The Hartford 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..) | The Hartford's fiduciary liability coverage is one of five options in its Private Choice Premier management-liability package; it also offers a separate fiduciary liability line within its financial-institutions management and professional liability products. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 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..) | Not described in the reviewed sources. |
| 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..) | The Hartford's fiduciary liability coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |
| 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..) | The Hartford says fiduciary liability insurance helps protect a business from claims of fiduciary mismanagement, giving as an example a staff member's claim after their medical bills weren't paid in accordance with the employer's benefit plans. [9](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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..) | Not described in the reviewed sources. |

## Full Comparison

- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford): 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 The Hartford Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-the-hartford/business-owners-policy)
- [Gallagher vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/commercial-auto)
- [Gallagher vs The Hartford Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/commercial-property)
- [Gallagher vs The Hartford Crime Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/crime)
- [Gallagher vs The Hartford Cyber Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/cyber)
- [Gallagher vs The Hartford D&O Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/directors-officers)
- [Gallagher vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/employment-practices)
- [Gallagher vs The Hartford General Liability Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/general-liability)
- [Gallagher vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/kidnap-ransom)
- [Gallagher vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/professional-errors-omissions)
- [Gallagher vs The Hartford Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/technology-errors-omissions)
- [Gallagher vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/fiduciary)
- [Alliance Risk vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/fiduciary)
- [Beazley vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-gallagher/fiduciary)
- [Beazley vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-the-hartford/fiduciary)
- [Chubb vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-gallagher/fiduciary)
- [Chubb vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-the-hartford/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.

### The Hartford

6. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
7. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
8. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
9. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Fiduciary Liability Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

10. [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.
11. [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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