---
title: "HUB International vs Relm Insurance: Fiduciary Liability Insurance"
description: "HUB serves health and retirement plan sponsors and lists participant, DOL and PBGC claim scenarios; Relm targets startups adding benefit plans early and sells through brokers."
canonical: "https://spot.insure/compare/hub-international-vs-relm/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-relm"
provider-a: "hub-international"
provider-b: "relm"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-relm/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Relm Insurance for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about HUB International versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Relm Insurance for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, HUB International or Relm Insurance?
- What does HUB International or Relm Insurance publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: HUB International and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) — all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# HUB International vs Relm Insurance: How Do They Compare for Fiduciary Liability Insurance?

HUB International brokers fiduciary coverage for employers with retirement or health-care plans; Relm Insurance places the line for companies managing pensions, health insurance, or other employee benefits.

HUB discusses participant, DOL and PBGC litigation for plan sponsors; Relm targets startups and growth-stage firms adding benefits early through brokers.

## HUB International vs Relm Insurance Fiduciary Liability Insurance Summary

HUB serves health and retirement plan sponsors and lists participant, DOL and PBGC claim scenarios; Relm targets startups adding benefit plans early and sells through brokers. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## What Are the Key Differences Between HUB International and Relm Insurance Fiduciary Liability Insurance?

### Retail Fiduciary Page Versus Broker-Distributed Product

HUB directs employers with health or retirement plans to a broker to arrange fiduciary coverage. Relm markets the line for brokers to place and does not describe an online quote, so buyers also need a placing broker for this route. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### Employers With Plans Versus Startups Adding Benefits

HUB targets employers offering health-care or retirement plans who may be sued by participants, the Department of Labor or the PBGC. Relm targets companies that manage pensions or health insurance and specifically calls out startups and growth-stage firms that introduce benefits early. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

HUB lists many claim scenarios and says D&O does not cover fiduciary exposure. Relm describes protection for plan sponsors, trustees, administrators, investment committees, and directors and officers with discretionary authority under ERISA, including legal fees, settlements and judgments. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### Education Versus No Described Risk-Control Service

HUB publishes a prevention video; the page does not describe a formal plan-review service. Relm’s reviewed financial-lines page does not describe dedicated plan-administration review or risk-control services beyond the coverage description. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## What Should You Confirm in HUB International and Relm Insurance Fiduciary Liability Insurance Quotes?

- Ask whether HUB would place Relm paper or a different market. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask Relm’s broker whether investment committees are insureds. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask HUB whether DOL and PBGC defense is on the form. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Confirm both issuing companies and whether fiduciary is separate from D&O, as HUB states. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## HUB International vs Relm Insurance Fiduciary Liability Compared

| Criteria | HUB International Fiduciary Liability Insurance Brokerage | Relm Fiduciary Liability Insurance |
| --- | --- | --- |
| Who It’s For | HUB targets fiduciary liability brokerage at employers offering health-care or retirement benefit plans who face potential litigation from plan participants, the Department of Labor or the Pension Benefit Guaranty Corporation. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page target-audience description; not a published underwriting appetite..) | Relm targets companies that manage employee benefit plans such as pensions or health insurance, specifically calling out startups and growth-stage companies that introduce benefits early to attract talent. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; not a guarantee of eligibility for a particular company..) |
| How to Apply | HUB directs fiduciary liability prospects to "Connect With a Broker" or "Contact a HUB broker" rather than an online quote or bind flow. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page calls to action..) | Relm sells fiduciary liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; consistent with Relm's broader broker-distribution model..) |
| Coverage Features | HUB lists fiduciary liability claim scenarios it covers as including a plan's insurer, mutual fund or third-party administrator making bad choices, plan administration errors or conflicts of interest, benefits denial, changes or reductions, bad advice or improper counsel, insufficient plan funding, poor investment selection and incorrect plan termination. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim..)<br><br>HUB states that fiduciary liability exposure "is not covered by director's and officers' liability policies," positioning fiduciary liability as a separate line from D&O rather than a bundled coverage. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page statement distinguishing fiduciary liability from D&O..) | Relm says fiduciary liability protects plan sponsors, trustees, administrators, investment committees, and directors and officers with 'discretionary authority' under ERISA, covering legal fees, settlement and judgment costs tied to employee benefit plans. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; the issued policy and declarations control..) |
| Role in This Line | HUB brokers fiduciary liability insurance for employers that sponsor health-care and retirement benefit plans, rather than underwriting the coverage itself. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer..) | Relm markets fiduciary liability as a coverage brokers can place for clients that manage employee benefit plans. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About HUB International and Relm Insurance and Fiduciary Liability

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)

## Related Pages for HUB International vs Relm Insurance

- [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [HUB International Fiduciary Liability Insurance](https://spot.insure/insurance-providers/hub-international/fiduciary)
- [Relm Insurance Fiduciary Liability Insurance](https://spot.insure/insurance-providers/relm/fiduciary)

## Sources for HUB International vs Relm Insurance

### Sources About HUB International

1. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Target audience: employers offering health-care and retirement benefit plans; list of covered claim scenarios; statement distinguishing fiduciary liability from D&O; $1 million defense-and-settlement-cost reference; "Prevent Fiduciary Liability Claims" video; Connect With a Broker / Contact a HUB broker calls to action. Accessed 2026-09-23.

### Sources About Relm Insurance

2. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Fiduciary Liability Insurance: What Is Fiduciary Liability Insurance?; Make Sure Benefits Don't Backfire; What Does Fiduciary Insurance Cover?. Accessed 2026-09-23.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-relm/fiduciary.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)