Marsh McLennan Agency vs 
RiskCube: How Do They Compare for Fiduciary Liability Insurance?
Marsh McLennan Agency lists fiduciary as part of its executive-liability suite but gives no plan-specific coverage examples or investor requirement on the reviewed page; RiskCube’s catalogue describes fiduciary coverage for directors, officers, and plan administrators managing 401(k), health-benefit, and stock-option programs. 3,7
What Is Marsh McLennan Agency?
Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. 1,2
Read the Marsh McLennan Agency profile
Read the Marsh McLennan Agency Fiduciary Liability Insurance page
What Is RiskCube Insurance?
RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. 4,5,6
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
Coverage Scope and Plan Details
RiskCube’s catalogue describes fiduciary coverage for directors, officers, and plan administrators managing 401(k), health-benefit, and stock-option programs. It frames the purchase around institutional-investor expectations. Marsh McLennan Agency lists fiduciary as part of its executive-liability suite but gives no plan-specific coverage examples or investor requirement on the reviewed page. A startup facing an investor diligence request can compare the requested evidence with the actual insured roles and plans in each proposed form. 7 3
Placement and Buyer Questions
RiskCube identifies its placement channel as an independent brokerage; Marsh McLennan Agency invites contact with an adviser or specialist. Neither page identifies an issuing insurer or states a limit for this risk. The quote documents should establish the carrier, plan-specific limit, and any investor-driven certificate or wording requirements. 7 3
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.
Marsh McLennan Agency
Review Score
2 rated sources
There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.[8][9][1]
Read Marsh McLennan Agency reviewsRiskCube
Review Score
No reviews found
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube reviewsOffering Details
Marsh McLennan Agency vs RiskCube: Fiduciary Liability Insurance: documented features by provider
| Criteria | Marsh McLennan Agency fiduciary (official overview) | RiskCube Fiduciary Liability Insurance |
|---|---|---|
| Role in This Line | Marsh McLennan Agency describes arranging fiduciary for the audience stated on the cited product page. 3Company-reported. fiduciary marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | RiskCube lists Fiduciary Liability Insurance as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. 7Company-reported. Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail. |
| Who It’s For | Organizations seeking executive liability solutions; source does not define plan-specific eligibility. 3Company-reported. fiduciary marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | RiskCube's catalogue says fiduciary liability coverage is "required by many institutional investors," positioning it as an investor-driven purchase rather than a coverage every startup is expected to carry from day one. 7Company-reported. Catalogue marketing description, not an underwriting eligibility rule. |
| Coverage Features | The cited product page describes fiduciary liability as a named product in the executive and professional liability suite; the overview does not state plan-specific grants. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 3Company-reported. fiduciary marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | RiskCube's catalogue describes fiduciary liability as covering directors, officers and plan administrators against claims of mismanaging employee benefit plans, including 401(k) plans, health benefits and stock option programs. 7Company-reported. One-paragraph catalogue card; no policy form or exclusion list was found for this line. |
| Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 3Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. | The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. 7,8Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote. |
| How to Apply | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. 3Company-reported. fiduciary marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for Fiduciary Liability (riskcubeai.com/insurance/fiduciary-liability) redirects to a general contact form rather than a dedicated page describing a fiduciary-specific application flow or required intake information. Guessed slugs /insurance/fiduciary and /insurance/fiduciary-insurance both 404. 8Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later. |
Full Comparison
More Marsh McLennan Agency vs RiskCube Comparisons
Other Fiduciary Liability Insurance Comparisons
Sources
Marsh McLennan Agency
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Executive and Professional Liability | MMA. Marsh McLennan Agency; Named within the executive and professional liability product suite. Accessed 2026-09-30.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
- Startup Insurance Coverage. RiskCube; Fiduciary Liability card: "Covers directors, officers, and plan administrators against claims of mismanagement of employee benefit plans — including 401(k) plans, health benefits, and stock option programs. Required by many institutional investors."; footer "CA License #6017028 ... Independent brokerage · NPN 21694336". Accessed 2026-09-23.
- Contact RiskCube. RiskCube; The catalogue's Fiduciary Liability "Learn more" link resolves to a general contact form, not a dedicated fiduciary liability product page. Accessed 2026-09-23.
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.
