What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 1,2,3
Read the HUB International profile
Read the HUB International Fiduciary Liability Insurance page
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 5,6
What Is Fiduciary Liability Insurance?
Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. 9,10,11
Key Differences in Fiduciary Liability Insurance
Allegation scope
HUB lists claim scenarios including poor investment selection, plan-administration errors, conflicts, benefits denial, bad advice, insufficient funding, and incorrect plan termination. Zurich’s Select policy addresses claims and investigations involving administration of employee savings, pension, and health or welfare plans. HUB provides a longer set of examples, while Zurich explicitly mentions investigations. Plan sponsors should ask Zurich whether each HUB-listed scenario fits and check exclusions and defense terms in both quotes. 4 8
Relationship to D&O and quote access
HUB says fiduciary liability is not covered by directors and officers policies and directs prospects to a broker rather than an online quote flow. Zurich says it offers standalone and packaged fiduciary coverage for public and private companies. A sponsor can ask HUB to review the separation between D&O and fiduciary coverage and ask Zurich whether its packaged option combines lines without sharing limits. 4 7
What to Confirm in Fiduciary Liability Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
HUB International vs Zurich U.S.: Fiduciary Liability Insurance: documented features by provider
| Criteria | HUB International Fiduciary Liability Insurance Brokerage | Zurich 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. 4Company-reported. Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer. | Confirm in your quote. |
| Issuing Insurer | 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. | Confirm in your quote. |
| 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. 4Company-reported. Product-page target-audience description; not a published underwriting appetite. | Confirm in your quote. |
| 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. 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. | Zurich’s Fiduciary Liability Select addresses claims and investigations involving administration of employee savings, pension and health/welfare plans. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich says it offers stand-alone and packaged fiduciary policies for public and private companies. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich lists current advancement of defense costs and no restrictions to panel-counsel lists as coverage-solution features. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 4Not publicly disclosed. Checked the fiduciary liability product page on 2026-09-23; the $1 million figure describes potential exposure, not an offered limit. | Confirm in your quote. |
| 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. 4Company-reported. Product-page educational video reference. | Zurich says qualified multinational fiduciary customers can structure global programs with locally admitted policies tied to a U.S. master policy. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 4Company-reported. Product-page calls to action. | Confirm in your quote. |
Full Comparison
More HUB International vs Zurich U.S. Comparisons
Other Fiduciary Liability Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Fiduciary Liability Insurance Brokers. 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.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Fiduciary Liability Insurance | Zurich U.S. Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
- Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability. Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
