HUB International vs The Hartford 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.

The Hartford's fiduciary liability coverage is one of five options in its Private Choice Premier management-liability package; it also offers a separate fiduciary liability line within its financial-institutions management and professional liability products. ⁸Company-reported. Management liability product page as read 2026-09-23.

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.

The Hartford's fiduciary liability coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ⁸Company-reported. Management liability product page as read 2026-09-23.

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.

The Hartford says fiduciary liability insurance helps protect a business from claims of fiduciary mismanagement, giving as an example a staff member's claim after their medical bills weren't paid in accordance with the employer's benefit plans. ⁸Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

Not described in the reviewed sources.

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.

Not described in the reviewed sources.