--- title: "HUB International vs USI Insurance Services Fiduciary Liability Insurance" description: "HUB’s fiduciary page lists plan-sponsor claim scenarios; USI brokers the line for business-services firms and reviews existing policies through ExecuSafe." canonical: "https://spot.insure/compare/hub-international-vs-usi/fiduciary" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-usi/fiduciary) # HUB International vs USI Insurance Services Fiduciary Liability Insurance HUB’s fiduciary page lists plan-sponsor claim scenarios; USI brokers the line for business-services firms and reviews existing policies through ExecuSafe. ## Research Scope and Use Use this comparison to evaluate HUB International and USI Insurance Services 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, including DOL and PBGC suits. USI brokers the same line for business-services clients and reviews existing fiduciary policies for gaps as part of ExecuSafe. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## 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 USI Insurance Services? USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/commissions-fees/ "Commissions and Fees") [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) ## What Is Fiduciary Liability Insurance? Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [10](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") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## Key Differences in Fiduciary Liability Insurance ### Plan-Sponsor Product Page Versus Trade Catalogue HUB and USI both broker fiduciary liability. HUB’s dedicated page targets employers offering health-care or retirement plans. USI lists fiduciary in a Business Services catalogue aimed at building, maintenance, repair, janitorial, staffing and printing companies, and separately discusses it in an ExecuSafe article for small- and medium-sized businesses. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ### 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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") HUB’s prevention video is educational; USI’s ExecuSafe step is a review of policies you may already have. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ### 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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## What to Confirm in Fiduciary Liability Insurance Quotes - Ask USI whether you need a new placement or an ExecuSafe review. [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Ask HUB whether each listed scenario is on the form, including DOL and PBGC matters. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") - Confirm whether your industry sits in USI’s business-services list. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") - Ask both whether fiduciary is scheduled separately from D&O and crime, which USI groups in ExecuSafe reviews. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## Offering Details | Criteria | HUB International Fiduciary Liability Insurance Brokerage | USI Fiduciary Liability Brokerage | | --- | --- | --- | | 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..) | 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. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Business Services catalogue and ExecuSafe article..) | | 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..) | Neither page names the insurer USI uses for fiduciary liability placements. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | 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..) | 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. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Company description of client segments for each source..) | | 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..)

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..) | 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. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy..) | | 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..) | Neither page publishes fiduciary liability limit or retention figures. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages 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. [4](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Combines the general Business Services service list with the ExecuSafe-specific review step..) | | 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..) | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. [8](https://www.usi.com/property-casualty/business-services/ "Business Services") [9](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Contact instructions on each page..) | ## Full Comparison - [HUB International vs USI Insurance Services](https://spot.insure/compare/hub-international-vs-usi): 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 USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-usi/commercial-property) - [HUB International vs USI Insurance Services Crime Insurance](https://spot.insure/compare/hub-international-vs-usi/crime) - [HUB International vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/hub-international-vs-usi/cyber) - [HUB International vs USI Insurance Services D&O Insurance](https://spot.insure/compare/hub-international-vs-usi/directors-officers) - [HUB International vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/hub-international-vs-usi/employee-health-benefits) - [HUB International vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-usi/employment-practices) - [HUB International vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/hub-international-vs-usi/management-liability) - [HUB International vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-usi/medical-malpractice) - [HUB International vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-usi/professional-errors-omissions) - [HUB International vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/hub-international-vs-usi/representations-warranties) - [HUB International vs USI Insurance Services Surety Bonds](https://spot.insure/compare/hub-international-vs-usi/surety-bonds) - [HUB International vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-usi/workers-compensation) - [Alliance Risk vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/fiduciary) - [Alliance Risk vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-usi/fiduciary) - [Beazley vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/fiduciary) - [Beazley vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-usi/fiduciary) - [Chubb vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/fiduciary) - [Chubb vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-usi/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. ### USI Insurance Services 5. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 6. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16. 7. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 8. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Fiduciary Liability.... Accessed 2026-09-23. 9. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. Accessed 2026-09-23. ### Fiduciary Liability Insurance Guide 10. [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. 11. [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 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-usi/fiduciary.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)