Relm Insurance vs RiskCube Fiduciary Liability Insurance

Relm markets fiduciary liability as a coverage brokers can place for clients that manage employee benefit plans. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

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.

The reviewed page does not name a specific issuing insurer for fiduciary liability placements. ³Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

Not described in the reviewed sources.

Relm targets companies that manage employee benefit plans such as pensions or health insurance, specifically calling out startups and growth-stage companies that introduce benefits early to attract talent. ³Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.

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.

Relm says fiduciary liability protects plan sponsors, trustees, administrators, investment committees, and directors and officers with 'discretionary authority' under ERISA, covering legal fees, settlement and judgment costs tied to employee benefit plans. ³Company-reported. Financial Lines page general description; the issued policy and declarations control.

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.

Not described in the reviewed sources.

The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line.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.

The reviewed fiduciary liability page does not describe dedicated plan-administration review or risk-control services beyond the general coverage description. ³Not found in reviewed sources. Financial Lines page as read on 2026-09-23.

Not described in the reviewed sources.

Relm sells fiduciary liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ³Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.

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.