Heffernan Insurance Brokers vs RiskCube Fiduciary Liability Insurance

Heffernan places fiduciary liability coverage within its general corporate/executive-protection lineup and again within a dedicated family-office and financial-institution practice. It shops and places the coverage with insurers rather than underwriting it. ^3,4Company-reported. Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found.

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. ⁸Company-reported. Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail.

The reviewed pages do not name the insurer or insurers that issue fiduciary liability policies Heffernan places for either business clients or family offices. ^3,4Not publicly disclosed. Business Insurance and Family Office pages as read on 2026-09-23.

Not described in the reviewed sources.

Heffernan offers fiduciary liability to two named segments: general business clients through its business-insurance brokerage, and family offices, trust companies, trustees, financial advisors, private equity firms, foundations, and other financial institutions through its family-office practice. ^3,4Company-reported. Direct practice-page listings; no minimum size or asset-under-management threshold was published for the coverage specifically.

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. ⁸Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

On the family-office page, fiduciary liability insurance is listed alongside directors and officers, professional liability, employment practices liability, trustee liability, and other management-liability-adjacent lines as coverage the practice can arrange, without describing the policy's insuring agreement or exclusions. ⁴Company-reported. Family Office page as read on 2026-09-23.

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. ⁸Company-reported. One-paragraph catalogue card; no policy form or exclusion list was found for this line.

Neither page publishes a fiduciary-liability limit, retention, or premium range. ^3,4Not found in reviewed sources. Business Insurance and Family Office pages as read on 2026-09-23.

The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. ^8,9Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote.

Heffernan's family-office practice describes a Risk Management Assessment: itemizing a client's structures, assets, and exposures; crafting insurance and risk-management strategies to close coverage gaps; and helping navigate claims, for its fiduciary and financial-institution client base. ⁴Company-reported. Family Office page as read on 2026-09-23; a company-described service, not a measured outcome.

Not described in the reviewed sources.

The family-office practice's fiduciary-liability coverage is reached through a named Private Client Group specialist contact rather than a self-service online quote flow. ⁴Company-reported. Family Office page as read on 2026-09-23; the general business-insurance page's fiduciary listing routes through Heffernan's general Contact Us form instead.

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. ⁹Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later.