---
title: "HUB International vs StartupInsurance.ai: Fiduciary Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-startupinsurance/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-startupinsurance"
provider-a: "hub-international"
provider-b: "startupinsurance"
coverage-line: "fiduciary"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and StartupInsurance.ai 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 StartupInsurance.ai. 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 StartupInsurance.ai for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, HUB International or StartupInsurance.ai?
- What does HUB International or StartupInsurance.ai publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: HUB International and StartupInsurance.ai.
- 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 StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance) — 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
- [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile

# 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 brokers fiduciary for health and retirement plan sponsors and says D&O does not cover it; StartupInsurance.ai offers an online intake and checks for AI exclusions.

## HUB International vs StartupInsurance.ai Fiduciary Liability Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

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](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### 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](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

HUB’s reviewed page does not discuss AI exclusions. StartupInsurance.ai’s reviewed pages do not publish HUB’s scenario list. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Ask HUB whether fiduciary is fully separate from D&O on the placement. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Compare how you apply: HUB broker contact versus StartupInsurance.ai’s coverage-selection screen. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")
- If you already have a policy, ask StartupInsurance.ai what the 48-hour check covers on the fiduciary form. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## HUB International vs StartupInsurance.ai Fiduciary Liability Compared

| 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. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: 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." [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy..) |

## About HUB International and StartupInsurance.ai

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

## Related Pages for HUB International vs StartupInsurance.ai

- [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance): 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)
- [StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/insurance-providers/startupinsurance/fiduciary)

## Sources for HUB International vs StartupInsurance.ai

### 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 StartupInsurance.ai

2. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Coverage: What we place; Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); The free policy check. Accessed 2026-09-23.
3. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Fiduciary — “Covers claims related to employee benefit plan management”. 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.

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