---
title: "HUB International vs The Hartford Fiduciary Liability Insurance"
description: "HUB brokers fiduciary for plan-sponsor employers and lists claim scenarios; The Hartford underwrites it as a Private Choice Premier option and a financial-institutions line."
canonical: "https://spot.insure/compare/hub-international-vs-the-hartford/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# HUB International vs The Hartford Fiduciary Liability Insurance

HUB brokers fiduciary for plan-sponsor employers and lists claim scenarios; The Hartford underwrites it as a Private Choice Premier option and a financial-institutions line.

## Research Scope and Use

Use this comparison to evaluate HUB International and The Hartford 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, saying D&O does not cover the exposure. The Hartford underwrites fiduciary liability as one of five options in Private Choice Premier and as a line in its financial-institutions products, using unpaid medical benefits as an example. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Fiduciary Liability Insurance?

Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [9](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") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Who Places Versus Who Underwrites

HUB brokers fiduciary liability for employers and does not name an issuing insurer on its product page. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### How Each Describes Covered Claims

HUB lists scenarios including administrator errors, benefits denials or reductions, insufficient plan funding and incorrect plan termination, and it names plan participants, the Department of Labor and the Pension Benefit Guaranty Corporation as potential claimants. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask HUB which insurer would issue the policy; its product page does not name one. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Ask The Hartford whether fiduciary sits in Private Choice Premier or the financial-institutions product. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask HUB whether fiduciary is scheduled separately from D&O, as its page states. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Ask both how unpaid-benefit claims, including Hartford’s medical-bill example, are treated on the actual form. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## Offering Details

| Criteria | HUB International Fiduciary Liability Insurance Brokerage | The Hartford 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..) | 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. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |
| 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..) | 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. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |
| 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..)<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. [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..) | 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. [8](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | Not described in the reviewed sources. |

## Full Comparison

- [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford): 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 The Hartford Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-the-hartford/business-owners-policy)
- [HUB International vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/commercial-auto)
- [HUB International vs The Hartford Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/commercial-property)
- [HUB International vs The Hartford Crime Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/crime)
- [HUB International vs The Hartford Cyber Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/cyber)
- [HUB International vs The Hartford D&O Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/directors-officers)
- [HUB International vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/employment-practices)
- [HUB International vs The Hartford General Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/general-liability)
- [HUB International vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/hired-non-owned-auto)
- [HUB International vs The Hartford Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/inland-marine)
- [HUB International vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/kidnap-ransom)
- [HUB International vs The Hartford Management Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/management-liability)
- [HUB International vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/professional-errors-omissions)
- [HUB International vs The Hartford Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/technology-errors-omissions)
- [HUB International vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/workers-compensation)
- [Alliance Risk vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/fiduciary)
- [Alliance Risk vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/fiduciary)
- [Beazley vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/fiduciary)
- [Beazley vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-the-hartford/fiduciary)
- [Chubb vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/fiduciary)
- [Chubb vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-the-hartford/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.

### The Hartford

5. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
8. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Fiduciary Liability Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

9. [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.
10. [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 2026-09-24. 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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