HUB International vs 
StartupInsurance.ai: How Do They Compare for Fiduciary Liability Insurance?
HUB International focuses fiduciary brokerage on employers with retirement or health-care plans; StartupInsurance.ai lists the line in its quote intake and offers policy checks for AI exclusions.
HUB serves health and retirement plan sponsors and lists D&O exclusions; StartupInsurance.ai offers an online startup intake and checks for blanket AI exclusions. 1,3,2
What Are the Key Differences Between HUB International and StartupInsurance.ai Fiduciary Liability Insurance?
Broker Conversation Versus Online Intake Box
HUB directs fiduciary prospects to connect with a broker. StartupInsurance.ai includes fiduciary as one of seven coverage choices on its online intake. 1 3
HUB targets employers with health-care or retirement plans. StartupInsurance.ai places fiduciary inside a startup program alongside general liability, D&O, tech E&O, cyber, employment practices and crime. 1 2
Claim Scenarios Versus AI Endorsements
HUB lists administration, funding, investment and termination scenarios and states the exposure is not covered by D&O. StartupInsurance.ai instead flags that one major carrier added a blanket AI exclusion to fiduciary forms (with D&O and E&O), often at renewal, and that a free 48-hour policy check looks for that exclusion. 1 2
HUB’s reviewed page does not discuss AI exclusions. StartupInsurance.ai’s reviewed pages do not publish HUB’s scenario list. 1 2
What Should You Confirm in HUB International and StartupInsurance.ai Fiduciary Liability Insurance Quotes?
- Ask StartupInsurance.ai whether the quoted fiduciary form has an AI exclusion and which insurer issued it. 2
- Ask HUB whether fiduciary is fully separate from D&O on the placement. 1
- Compare how you apply: HUB broker contact versus StartupInsurance.ai’s coverage-selection screen. 1 3
- If you already have a policy, ask StartupInsurance.ai what the 48-hour check covers on the fiduciary form. 2
HUB International vs StartupInsurance.ai Fiduciary Liability Compared
HUB International vs StartupInsurance.ai: Fiduciary Liability Insurance: documented features by provider
| Criteria | HUB International Fiduciary Liability Insurance Brokerage | StartupInsurance.ai Fiduciary Liability Insurance |
|---|---|---|
| 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. 1Company-reported. Product-page calls to action. | "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." 3Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line. |
| 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. | 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. 2Company-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 | 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. | 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. 2Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23. |
| 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. 1Company-reported. Product-page educational video reference. | 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. 2Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy. |
