--- title: "HUB International vs RiskCube Fiduciary Liability Insurance" description: "HUB’s fiduciary page lists claim scenarios for plan sponsors; RiskCube’s startup catalogue frames the line as often required by institutional investors." canonical: "https://spot.insure/compare/hub-international-vs-riskcube/fiduciary" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-riskcube/fiduciary) # HUB International vs RiskCube Fiduciary Liability Insurance HUB’s fiduciary page lists claim scenarios for plan sponsors; RiskCube’s startup catalogue frames the line as often required by institutional investors. ## Research Scope and Use Use this comparison to evaluate HUB International and RiskCube for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary HUB brokers fiduciary liability for employers with health or retirement plans and lists claim scenarios, including DOL and PBGC suits. RiskCube lists fiduciary in a startup catalogue covering 401(k), health and stock-option plan mismanagement, and says many institutional investors require it. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is RiskCube Insurance? RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [5](https://riskcubeai.com/ "Startup Business Insurance") [6](https://riskcubeai.com/licenses "Licenses & Disclosures") [7](https://riskcubeai.com/disclosures "Disclosures & Compensation") [RiskCube profile](https://spot.insure/insurance-providers/riskcube) ## What Is Fiduciary Liability Insurance? Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [10](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## Key Differences in Fiduciary Liability Insurance ### Dedicated Product Page Versus Catalogue Card HUB and RiskCube both broker fiduciary liability. HUB maintains a fiduciary product page aimed at employers with health-care or retirement plans. RiskCube lists the line as one card in a startup catalogue through RiskCube Insurance Services, LLC, described as an independent brokerage. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ### 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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") HUB states fiduciary liability is not covered by D&O. RiskCube’s catalogue card does not discuss that D&O distinction. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ### 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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [9](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube") ## What to Confirm in Fiduciary Liability Insurance Quotes - Ask RiskCube whether stock-option programs are on the placed form if investors asked for that cover. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") - Ask HUB whether each listed scenario, including DOL and PBGC matters, is on the form. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") - Ask HUB and RiskCube which carrier sits on the binder; the product page and catalogue card both omit that name. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") - Ask both whether fiduciary is scheduled separately from D&O. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## Offering Details | Criteria | HUB International Fiduciary Liability Insurance Brokerage | RiskCube Fiduciary Liability Insurance | | --- | --- | --- | | 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. [4](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..) | 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. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail..) | | Issuing Insurer | No insurer is named for fiduciary liability on the product page; the carrier depends on the placement. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the fiduciary liability product page on 2026-09-23..) | Not described in the reviewed sources. | | 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. [4](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..) | 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. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [4](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..)

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. [4](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..) | 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. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: One-paragraph catalogue card; no policy form or exclusion list was found for this line..) | | Limits and Retentions | 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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Not publicly disclosed; scope: 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](https://riskcubeai.com/insurance "Startup Insurance Coverage") [9](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube") (Evidence: Not publicly disclosed; scope: Public pages checked on 2026-09-23; amounts may appear only on an individual quote..) | | Risk Services | 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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page educational video reference..) | Not described in the reviewed sources. | | 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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [9](https://riskcubeai.com/insurance/fiduciary-liability "Contact RiskCube") (Evidence: Not found in reviewed sources; scope: Checked on 2026-09-23; the URL may change to a dedicated page later..) | ## Full Comparison - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube): all coverage lines, business roles, service and claims. - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability insurance can help with covered claims alleging that your business or its people breached duties in managing an employee benefit plan. - [HUB International vs RiskCube Crime Insurance](https://spot.insure/compare/hub-international-vs-riskcube/crime) - [HUB International vs RiskCube Cyber Insurance](https://spot.insure/compare/hub-international-vs-riskcube/cyber) - [HUB International vs RiskCube D&O Insurance](https://spot.insure/compare/hub-international-vs-riskcube/directors-officers) - [HUB International vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-riskcube/employment-practices) - [HUB International vs RiskCube General Liability Insurance](https://spot.insure/compare/hub-international-vs-riskcube/general-liability) - [HUB International vs RiskCube Key Person Insurance](https://spot.insure/compare/hub-international-vs-riskcube/key-person) - [HUB International vs RiskCube Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-riskcube/technology-errors-omissions) - [Alliance Risk vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/fiduciary) - [Alliance Risk vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/fiduciary) - [Beazley vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/fiduciary) - [Beazley vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-riskcube/fiduciary) - [Chubb vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/fiduciary) - [Chubb vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-riskcube/fiduciary) ## Sources ### HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16. 4. [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. ### RiskCube 5. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 6. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 7. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16. 8. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; Fiduciary Liability card: "Covers directors, officers, and plan administrators against claims of mismanagement of employee benefit plans — including 401(k) plans, health benefits, and stock option programs. Required by many institutional investors."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23. 9. [Contact RiskCube](https://riskcubeai.com/insurance/fiduciary-liability). RiskCube; The catalogue's Fiduciary Liability "Learn more" link resolves to a general contact form, not a dedicated fiduciary liability product page. Accessed 2026-09-23. ### Fiduciary Liability Insurance Guide 10. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16. 11. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16. Updated 2026-09-23. 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-riskcube/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)