Heffernan Insurance Brokers vs 
StartupInsurance.ai: How Do They Compare for Fiduciary Liability Insurance?
Heffernan Insurance Brokers places fiduciary coverage for business clients and family offices; StartupInsurance.ai lists the line in its startup quote intake and checks existing policies for AI exclusions.
Heffernan places fiduciary for businesses and family offices through specialist contacts; StartupInsurance.ai includes the line in an online startup intake and reviews forms for blanket AI exclusions. 2,4,3
What Are the Key Differences Between Heffernan Insurance Brokers and StartupInsurance.ai Fiduciary Liability Insurance?
Specialist Contact Versus Online Coverage Box
Heffernan’s family-office practice routes placements through its Private Client Group, while general business prospects contact the brokerage. StartupInsurance.ai lets startups select fiduciary on an online quote-intake screen. 2 4
Family-Office Clients Versus Startup Program Mix
Heffernan offers the line to family offices, trust companies, trustees, advisors, private equity, foundations and financial institutions, as well as general business clients. StartupInsurance.ai names fiduciary as one line in a startup program that also places general liability, D&O, tech E&O, cyber, employment practices and crime. 2 1 3
Structures Assessment Versus AI-Exclusion Check
Heffernan’s family-office practice describes a Risk Management Assessment that itemizes structures, assets and exposures and helps navigate claims. StartupInsurance.ai’s free policy check reviews an existing program for AI exclusions within 48 hours and specifically names fiduciary as a form affected by a blanket AI-exclusion trend. 2 3
Heffernan’s reviewed pages do not discuss AI endorsements on fiduciary forms. StartupInsurance.ai’s reviewed pages do not describe a family-office assessment. 2 3
What Should You Confirm in Heffernan Insurance Brokers and StartupInsurance.ai Fiduciary Liability Insurance Quotes?
- Ask StartupInsurance.ai whether the quoted fiduciary form includes an AI exclusion. 3
- Ask Heffernan which intake path applies—Private Client Group or general Contact Us. 2
- Confirm issuing insurers; neither reviewed source names a fiduciary-specific carrier. 1 3
- If you already have a policy, ask StartupInsurance.ai what the 48-hour check covers on the fiduciary form versus Heffernan’s assessment of structures and assets. 2 3
Heffernan Insurance Brokers vs StartupInsurance.ai Fiduciary Liability Compared
Heffernan Insurance Brokers vs StartupInsurance.ai: Fiduciary Liability Insurance: documented features by provider
| Criteria | Heffernan Fiduciary Liability Insurance | StartupInsurance.ai Fiduciary Liability Insurance |
|---|---|---|
| How to Apply | 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. 2Company-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. | "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." 4Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line. |
| Coverage Features | 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. 2Company-reported. Family Office page as read on 2026-09-23. | 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. 3Company-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. |
| Role in This Line | 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. 1,2Company-reported. Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found. | 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. 3Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23. |
| Risk Services | 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. 2Company-reported. Family Office page as read on 2026-09-23; a company-described service, not a measured outcome. | 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. 3Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy. |
