HUB International vs RiskCube Fiduciary Liability Insurance

HUB brokers fiduciary liability insurance for employers that sponsor health-care and retirement benefit plans, rather than underwriting the coverage itself. ⁴Company-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. ⁸Company-reported. Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail.

No insurer is named for fiduciary liability on the product page; the carrier depends on the placement. ⁴Not found in reviewed sources. Checked the fiduciary liability product page on 2026-09-23.

Not described in the reviewed sources.

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. ⁴Company-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. ⁸Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

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. ⁴Company-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. ⁴Company-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. ⁸Company-reported. One-paragraph catalogue card; no policy form or exclusion list was found for this line.

The product page does not publish specific policy limits or retentions; it references that combined defense and settlement costs on fiduciary claims can exceed $1 million as a risk statistic, not a policy limit. ⁴Not publicly disclosed. Checked the fiduciary liability product page on 2026-09-23; the $1 million figure describes potential exposure, not an offered limit.

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.

HUB publishes a video on preventing fiduciary liability claims and administrative-error best practices on the product page, but the page does not describe a formal fiduciary risk-management or plan-review service. ⁴Company-reported. Product-page educational video reference.

Not described in the reviewed sources.

HUB directs fiduciary liability prospects to "Connect With a Broker" or "Contact a HUB broker" rather than an online quote or bind flow. ⁴Company-reported. Product-page calls to action.

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.