HUB International vs 
USI Insurance Services: How Do They Compare for Fiduciary Liability Insurance?
HUB International brokers fiduciary coverage for employers with health-care or retirement benefits; USI Insurance Services places the line for business-services clients and offers exposure reviews and claim advocacy.
HUB details participant, DOL and PBGC claim scenarios; USI targets named service industries and reviews existing fiduciary policies through ExecuSafe. 1,2,3
What Are the Key Differences Between HUB International and USI Insurance Services Fiduciary Liability Insurance?
Plan-Sponsor Product Page Versus Trade Catalogue
HUB’s page targets employers with health-care or retirement plans. USI includes fiduciary in its Business Services catalogue for building, maintenance, repair, janitorial, staffing and printing companies, and also reviews the line through ExecuSafe. 1 2 3
Scenario List Versus Gap Review of Existing Policies
HUB publishes claim scenarios and says D&O does not cover fiduciary exposure. USI says ExecuSafe reviews existing management-liability policies, including fiduciary, to uncover gaps, and that Business Services offers classification reviews, claim advocacy and risk control across lines including fiduciary. 1 3 2
HUB’s prevention video is educational; USI’s ExecuSafe step is a review of policies you may already have. 1 3
Contact a Broker Versus Named Email Inboxes
HUB uses Connect With a Broker. USI publishes a business-services inquiry address or a local office, plus a Select Business address for ExecuSafe. The HUB product page and USI pages still leave the writing company and dollar limits unnamed. 1 2 3
What Should You Confirm in HUB International and USI Insurance Services Fiduciary Liability Insurance Quotes?
- Ask USI whether you need a new placement or an ExecuSafe review. 3
- Ask HUB whether each listed scenario is on the form, including DOL and PBGC matters. 1
- Confirm whether your industry sits in USI’s business-services list. 2
- Ask both whether fiduciary is scheduled separately from D&O and crime, which USI groups in ExecuSafe reviews. 1 3
HUB International vs USI Insurance Services Fiduciary Liability Compared
HUB International vs USI Insurance Services: Fiduciary Liability Insurance: documented features by provider
| Criteria | HUB International Fiduciary Liability Insurance Brokerage | USI Fiduciary Liability Brokerage |
|---|---|---|
| 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. 1Company-reported. Product-page target-audience description; not a published underwriting appetite. | USI's Business Services practice targets building and maintenance, repair service, janitorial, staffing and printing companies for its broader coverage catalogue, which includes fiduciary liability; the ExecuSafe article separately targets small- and medium-sized businesses generally for management liability review. 2,3Company-reported. Company description of client segments for each source. |
| 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. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 2,3Company-reported. Contact instructions on each page. |
| 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. | USI lists fiduciary liability among the coverages it places for business-services clients, and separately says its ExecuSafe review looks for gaps in a client's existing fiduciary liability coverage as part of a management liability review. 2,3Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. |
| 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. | USI brokers fiduciary liability coverage, which protects a company and its plan fiduciaries against claims of mismanaging an employee benefit plan; USI places it individually or reviews it as part of a management liability program under its ExecuSafe endorsement package. 2,3Company-reported. Business Services catalogue and ExecuSafe article. |
| 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. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines, including fiduciary liability, and its ExecuSafe process specifically reviews existing fiduciary liability policies for coverage gaps. 2,3Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
