--- title: "Marsh vs StartupInsurance.ai: Fiduciary Liability Insurance" description: "Marsh FINPRO says typical fiduciary policies do not guarantee benefits due; StartupInsurance.ai offers an online startup quote and checks forms for blanket AI exclusions." canonical: "https://spot.insure/compare/marsh-vs-startupinsurance/fiduciary" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "marsh-vs-startupinsurance" provider-a: "marsh" provider-b: "startupinsurance" coverage-line: "fiduciary" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/marsh-vs-startupinsurance/fiduciary) ## Agent Guide **What this page is:** Focused comparison of Marsh and StartupInsurance.ai 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 Marsh versus StartupInsurance.ai. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Marsh vs StartupInsurance.ai for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, Marsh or StartupInsurance.ai? - What does Marsh or StartupInsurance.ai publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: Marsh and StartupInsurance.ai. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - 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; last updated 2026-09-25. **Related pages:** - [Marsh vs StartupInsurance.ai](https://spot.insure/compare/marsh-vs-startupinsurance) — all coverage lines for this pair - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — how this coverage works - [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile # Marsh vs StartupInsurance.ai: How Do They Compare for Fiduciary Liability Insurance? Marsh places fiduciary liability for retirement-plan sponsors and describes typical covered costs; StartupInsurance.ai lists the line in its quote intake and offers policy reviews for AI exclusions. Marsh FINPRO describes a contractual-benefit gap in typical policies; StartupInsurance.ai includes fiduciary in its online startup intake and screens forms for AI exclusions. ## Marsh vs StartupInsurance.ai Fiduciary Liability Insurance Summary Marsh FINPRO says typical fiduciary policies do not guarantee benefits due; StartupInsurance.ai offers an online startup quote and checks forms for blanket AI exclusions. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [4](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## What Are the Key Differences Between Marsh and StartupInsurance.ai Fiduciary Liability Insurance? ### Placement Roles Marsh’s FINPRO practice places fiduciary for retirement-plan sponsors and fiduciaries. StartupInsurance.ai includes the line in its startup program alongside general liability, D&O, tech E&O, cyber, employment practices and crime. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ### Coverage Each Describes Marsh says a typical policy covers defense costs, damages, judgments and settlements from breach of duty or administration errors, but does not cover contractual liability and cannot guarantee a plan’s obligation to pay benefits due. StartupInsurance.ai’s quote-intake screen describes fiduciary as covering claims related to employee benefit plan management, and its homepage says one major carrier added a blanket AI exclusion to fiduciary forms, often at renewal. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [4](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") Marsh’s reviewed FAQs do not discuss AI endorsements. StartupInsurance.ai’s reviewed pages do not describe Marsh’s contractual-liability point. Both wording issues have to be read on the form you are quoted. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ### Line-Specific Services Marsh says FINPRO helps identify red flags in fiduciary controls, builds programs from limit assessment to carrier selection, and provides claims advocacy from the onset of a claim. StartupInsurance.ai’s free policy check reviews an existing program for AI exclusions within 48 hours and specifically names fiduciary as one of the forms that trend can affect. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## What Should You Confirm in Marsh and StartupInsurance.ai Fiduciary Liability Insurance Quotes? - Ask StartupInsurance.ai whether the quoted fiduciary form includes an AI exclusion. [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - Ask Marsh how contractual liability is treated on the quoted form. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") - Confirm whether the Marsh quote is FINPRO or MMA, and which insurer is on both binders. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - If you already have a policy, ask StartupInsurance.ai what the 48-hour check covers on the fiduciary form. [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## Marsh vs StartupInsurance.ai Fiduciary Liability Insurance Compared | Criteria | Marsh Fiduciary Liability Insurance | StartupInsurance.ai Fiduciary Liability Insurance | | --- | --- | --- | | Coverage Features | Marsh says a fiduciary liability policy typically covers defense costs, damages, judgments and settlements from a fiduciary's breach of duty or from negligence, errors or omissions in administering a benefit plan, but does not cover contractual liability, so it cannot guarantee a plan's obligation to pay benefits due. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") (Evidence: Company-reported; scope: Fiduciary liability page FAQs; illustrative policy description, not a specific policy form..) | StartupInsurance.ai says one major carrier added a blanket AI exclusion to fiduciary forms (along with D&O and E&O), typically arriving at renewal inside an endorsement, and that it checks policies for this exclusion. [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed fiduciary policy carries this specific endorsement..) | | Role in This Line | Marsh's FINPRO (financial and professional) practice places fiduciary liability insurance for retirement plan sponsors and fiduciaries; MMA also lists fiduciary coverage within its executive and professional liability practice. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") [2](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Expert Executive and Professional Liability Insurance") (Evidence: Company-reported; scope: Marsh fiduciary liability page and MMA executive and professional liability page..) | StartupInsurance.ai names fiduciary liability as one of the lines its startup program places, alongside general liability, D&O, tech E&O, cyber, employment practices and crime. [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Coverage: What we place" list as read on 2026-09-23..) | | Risk Services | Marsh says its FINPRO practice helps clients identify red flags in fiduciary controls, builds fiduciary liability programs from limit assessment to carrier selection, and provides claims advocacy to help resolve claims from the outset. [1](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html "Fiduciary liability") (Evidence: Company-reported; scope: Fiduciary liability page, Why Marsh section..) | StartupInsurance.ai's free policy check reviews an existing program for AI exclusions within 48 hours, and the homepage specifically calls out fiduciary as one of the forms affected by the AI-exclusion trend it checks for. [3](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy..) | ## About Marsh and StartupInsurance.ai and Fiduciary Liability Insurance - [Marsh company profile](https://spot.insure/insurance-providers/marsh) · [Marsh customer reviews](https://spot.insure/insurance-providers/marsh/reviews) - [StartupInsurance.ai company profile](https://spot.insure/insurance-providers/startupinsurance) · [StartupInsurance.ai customer reviews](https://spot.insure/insurance-providers/startupinsurance/reviews) - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary) ## Related Pages for Marsh vs StartupInsurance.ai Fiduciary Liability - [Marsh vs StartupInsurance.ai](https://spot.insure/compare/marsh-vs-startupinsurance): 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. - [Marsh Fiduciary Liability Insurance](https://spot.insure/insurance-providers/marsh/fiduciary) - [StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/insurance-providers/startupinsurance/fiduciary) ## Sources for Marsh vs StartupInsurance.ai Fiduciary Liability Insurance ### Sources About Marsh 1. [Fiduciary liability](https://www.marsh.com/en/services/financial-professional-liability/expertise/fiduciary.html). Marsh; Protection, Flexibility, Security summary; FAQs: What is covered under a fiduciary liability policy?; What is not covered?; Who is covered?; Why Marsh. Accessed 2026-09-23. 2. [Expert Executive and Professional Liability Insurance](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23. ### Sources About StartupInsurance.ai 3. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Coverage: What we place; Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); The free policy check. Accessed 2026-09-23. 4. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Fiduciary — “Covers claims related to employee benefit plan management”. Accessed 2026-09-23. Updated 2026-09-25. 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/marsh-vs-startupinsurance/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)