---
title: "Lockton vs Zurich U.S.: Fiduciary Liability Insurance"
description: "Lockton describes typical placements that can include voluntary-compliance losses and specified fines, while Zurich offers standalone or packaged fiduciary policies."
canonical: "https://spot.insure/compare/lockton-vs-zurich/fiduciary"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "lockton-vs-zurich"
provider-a: "lockton"
provider-b: "zurich"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-zurich/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of Lockton and Zurich U.S. for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about Lockton versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Lockton vs Zurich U.S. for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Lockton or Zurich U.S.?
- What does Lockton or Zurich U.S. publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from Lockton or Zurich U.S.?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Lockton and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Lockton vs Zurich U.S.](https://spot.insure/compare/lockton-vs-zurich) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Lockton vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/lockton-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. Crime Insurance](https://spot.insure/compare/lockton-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/lockton-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. D&O Insurance](https://spot.insure/compare/lockton-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/lockton-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. Surety Bonds](https://spot.insure/compare/lockton-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Lockton vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-lockton/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)

# Lockton vs Zurich U.S.: How Do They Compare for Fiduciary Liability Insurance?

Lockton describes typical placements that can include voluntary-compliance losses and specified fines, while Zurich offers standalone or packaged fiduciary policies.

## How to Use the Lockton vs Zurich U.S. Fiduciary Liability Insurance Comparison

Use this comparison to evaluate Lockton and Zurich U.S. 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.

## Lockton vs Zurich U.S. Fiduciary Liability Insurance Summary

Lockton says its placements can cover plan-administration errors, voluntary-compliance losses and certain fines when stated in the policy. Zurich offers standalone and packaged fiduciary forms for public and private companies. [4](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

## What Is Lockton?

Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## 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](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://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [11](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## What Are the Key Differences Between Lockton and Zurich U.S. Fiduciary Liability Insurance?

### What the described policy addresses

Lockton says a typical policy it places covers benefit-law breaches and plan-administration errors, and may include voluntary-compliance losses and specified fines when the wording expressly says so. Zurich describes Fiduciary Liability Select for claims and investigations tied to employee savings, pension and health or welfare plans. Ask how the proposed wording treats compliance costs and investigations. [4](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.")

### Broker support and policy terms

Lockton says its Professional & Executive Risk Claims team brings claims counsel into the brokerage team before a claim. Zurich lists advancement of defense costs and no restriction to panel counsel as policy features. For the buyer, one is a described brokerage service and the other a stated policy feature; verify the Zurich wording and Lockton’s proposed insurer terms. [4](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.")

### Plan footprint

Lockton says typical insureds can include the organization, benefit plans, fiduciaries and certain related people. Zurich says qualified multinational customers can link locally admitted policies to a U.S. master policy. A sponsor with plans or fiduciaries in several countries should ask how each location and person is scheduled. [4](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.")

## What Should You Confirm in Lockton and Zurich U.S. Fiduciary Liability Insurance Quotes?

- Ask Lockton to identify the issuing insurer and show whether voluntary-compliance losses and any fines are expressly covered in the form it proposes. [4](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance")
- Ask Zurich whether your plans and jurisdictions qualify for its multinational structure and how defense-cost advancement and counsel selection appear in the quoted wording. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.")

## Lockton vs Zurich U.S. Fiduciary Liability Insurance Compared

| Criteria | Lockton Fiduciary Liability Insurance Brokerage | Zurich Fiduciary Liability Insurance |
| --- | --- | --- |
| Role in This Line | Lockton places fiduciary liability insurance to protect companies and the individuals who manage their employee benefit plans against claims of mismanagement; Lockton is the broker, not the insurer. [4](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page as read 2026-09-23..) | Confirm in your quote. |
| Issuing Insurer | The page does not name the insurers Lockton places fiduciary liability coverage with. [4](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") (Evidence: Not publicly disclosed; scope: Fiduciary liability page checked 2026-09-23..) | Confirm in your quote. |
| Who It’s For | Lockton says coverage under a fiduciary liability policy it places typically extends to the organization, the benefit plans, employees, subsidiaries as defined in the policy, spouses/domestic partners, estates/heirs, past employees retained as fiduciaries or consultants, and committees and trustees. [4](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page as read 2026-09-23..) | Confirm in your quote. |
| Coverage Features | Lockton says a typical fiduciary liability policy it places covers breaches of benefit laws, errors and omissions in plan administration, voluntary compliance loss, and, when explicitly stated, certain fines and penalties such as under HIPAA, the Pension Protection Act and the ACA. It also notes fiduciary liability is distinct from an ERISA bond, which is legally required and insures plan assets against theft under a crime/fidelity policy, whereas fiduciary liability is not legally required but covers governance and decision-making risk. [4](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page as read 2026-09-23. General policy-structure description, not a specimen form..) | Zurich’s Fiduciary Liability Select addresses claims and investigations involving administration of employee savings, pension and health/welfare plans. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: 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..)<br><br>Zurich says it offers stand-alone and packaged fiduciary policies for public and private companies. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: 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..)<br><br>Zurich lists current advancement of defense costs and no restrictions to panel-counsel lists as coverage-solution features. [8](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: 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..) |
| Risk Services | Confirm in your quote. | Zurich says qualified multinational fiduciary customers can structure global programs with locally admitted policies tied to a U.S. master policy. [7](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance "Fiduciary Liability Insurance | Zurich U.S.") (Evidence: Company-reported; scope: 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..) |
| Claims Support | Lockton's Professional & Executive Risk Claims team integrates insurance and claims counsel within the broking team, which Lockton says is meant to have claims strategy in place before a fiduciary liability claim arises. [4](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Fiduciary liability product page as read 2026-09-23..) | Confirm in your quote. |

## Related Pages for Lockton vs Zurich U.S. Fiduciary Liability Insurance

- [Lockton vs Zurich U.S.](https://spot.insure/compare/lockton-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Lockton vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/lockton-vs-zurich/commercial-property)
- [Lockton vs Zurich U.S. Crime Insurance](https://spot.insure/compare/lockton-vs-zurich/crime)
- [Lockton vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/lockton-vs-zurich/cyber)
- [Lockton vs Zurich U.S. D&O Insurance](https://spot.insure/compare/lockton-vs-zurich/directors-officers)
- [Lockton vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-zurich/employment-practices)
- [Lockton vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/lockton-vs-zurich/general-liability)
- [Lockton vs Zurich U.S. Surety Bonds](https://spot.insure/compare/lockton-vs-zurich/surety-bonds)
- [Lockton vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-zurich/workers-compensation)
- [AIG vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-lockton/fiduciary)
- [AIG vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-zurich/fiduciary)
- [Alliance Risk vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/fiduciary)
- [Alliance Risk vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/fiduciary)
- [Aon vs Lockton Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-lockton/fiduciary)
- [Aon vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-zurich/fiduciary)

## Sources for Lockton vs Zurich U.S. Fiduciary Liability Insurance

### Sources About Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
3. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
4. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance?; Typical coverage on a fiduciary liability policy; Who can be covered under a fiduciary liability policy?; How does fiduciary liability insurance complement similar lines of coverage; Claims management. Accessed 2026-09-23.

### Sources About Zurich U.S.

5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
7. [Fiduciary Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance). Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
8. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability). Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.

### Sources for the 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](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). 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.
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 2026-10-01. 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.

## Lockton Review Scores for 2026

Review Score: 8.4 / 10 from 3 rated sources, equally weighted.

Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.

- BBB: BBB grade A+ (BBB letter grade). Denver BBB profile for Lockton Companies, LLC; corporate profile, not insurer/customer-star aggregate. Checked 2026-09-25. [Lockton Companies, LLC | BBB Business Profile](https://www.bbb.org/us/co/denver/profile/insurance-companies/lockton-companies-llc-1296-9971)
- ProvenExpert (Google Maps aggregation): Google Maps aggregate shown by ProvenExpert 4 (0–5 stars); 44 reviews. Aggregator profile labeled Lockton, insurance brokerage/consulting, attached to 444 W 47th St, Suite 900, Kansas City, Missouri. This is location-level evidence and should not be treated as firmwide consensus. ProvenExpert says the 44 reviews are from Google Maps; it does not show review-level dates in the captured result. Period: Profile active/updated 2026-08-18; accessed 2026-09-25. Checked 2026-09-25. [Lockton Reviews & Experiences | ProvenExpert](https://www.provenexpert.com/en-us/lockton/)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 3.6 (0–5 stars); 144 reviews. Office/program-specific Lockton Affinity, LLC profile at 10895 Lowell Ave, Overland Park, Kansas; not Lockton Companies, LLC firmwide. Birdeye identifies 141 Google reviews plus 3 Birdeye reviews. Period: Accessed 2026-09-25; visible excerpts dated about 3 years earlier. Checked 2026-09-25. [Lockton Affinity, LLC | Birdeye](https://reviews.birdeye.com/lockton-affinity-llc-542637984)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/lockton/reviews).

## Zurich U.S. Review Scores for 2026

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

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