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

HUB International brokers fiduciary coverage for employers with retirement or health plans; RiskCube lists the line in a startup catalogue and describes protection for directors, officers, and plan administrators.

HUB details participant, DOL and PBGC claim scenarios for plan sponsors; RiskCube lists fiduciary for startup plans and says institutional investors often require it. ^1,²

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

Dedicated Product Page Versus Catalogue Card

HUB maintains a dedicated fiduciary page for employers with health or retirement plans. RiskCube includes the line as a card in its startup catalogue. ¹ ²

Regulator Litigation Versus Investor Requirements

HUB names potential litigation from plan participants, the Department of Labor or the PBGC, and lists administration, funding, investment and termination scenarios. RiskCube’s paragraph covers directors, officers and plan administrators for mismanagement of 401(k), health and stock option programs, and says many institutional investors require the coverage. ¹ ²

HUB states fiduciary liability is not covered by D&O. RiskCube’s catalogue card does not discuss that D&O distinction. ¹ ²

Broker CTA Versus Contact Form

HUB asks you to connect with a HUB broker. RiskCube’s fiduciary “Learn more” link opens a general contact form rather than a dedicated application page. HUB’s $1 million figure is claim-cost context; neither source publishes a policy limit. ¹ ³

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

Ask RiskCube whether stock-option programs are on the placed form if investors asked for that cover. ²
Ask HUB whether each listed scenario, including DOL and PBGC matters, is on the form. ¹
Ask HUB and RiskCube which carrier sits on the binder; the product page and catalogue card both omit that name. ¹ ²
Ask both whether fiduciary is scheduled separately from D&O. ¹ ²

HUB International vs RiskCube Fiduciary Liability Insurance Compared

HUB International vs RiskCube: Fiduciary Liability Insurance: documented features by provider

Criteria	HUB International Fiduciary Liability Insurance Brokerage	RiskCube 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. ¹Company-reported. Product-page target-audience description; not a published underwriting appetite.	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. ²Company-reported. Catalogue marketing description, not an underwriting eligibility rule.
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. ¹Company-reported. Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim. 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. ¹Company-reported. Product-page statement distinguishing fiduciary liability from D&O.	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. ²Company-reported. One-paragraph catalogue card; no policy form or exclusion list was found for this line.
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. ¹Company-reported. Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer.	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. ²Company-reported. Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail.

Criteria

HUB International Fiduciary Liability Insurance Brokerage

RiskCube 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. ¹Company-reported. Product-page target-audience description; not a published underwriting appetite.

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. ²Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

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. ¹Company-reported. Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim.

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. ¹Company-reported. Product-page statement distinguishing fiduciary liability from D&O.

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. ²Company-reported. One-paragraph catalogue card; no policy form or exclusion list was found for this line.

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. ¹Company-reported. Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer.

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. ²Company-reported. Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail.