RiskCube vs StartupInsurance.ai Fiduciary Liability Insurance

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. ⁴Company-reported. Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail.

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. ⁸Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23.

Not described in the reviewed sources.

The reviewed pages do not name an insurer for fiduciary liability specifically; the homepage's carrier panel is program-wide and not broken out by coverage line. ⁸Not publicly disclosed. Homepage carrier panel as read on 2026-09-23.

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. ⁴Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

Not described in the reviewed sources.

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. ⁴Company-reported. One-paragraph catalogue card; no policy form or exclusion list was found for this line.

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. ⁸Company-reported. 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.

The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. ^4,5Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual quote.

Not described in the reviewed sources.

Not described in the reviewed sources.

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. ⁸Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy.

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. ⁵Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later.

"Fiduciary" is one of seven coverage boxes on StartupInsurance.ai's online quote-intake screen, described there as covering "claims related to employee benefit plan management." ⁷Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line.