RiskCube vs THREE by Berkshire Hathaway: How Do They Compare for 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.

THREE presents Fiduciary Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. ⁸Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.

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The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁷Company-reported. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy.

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.

The reviewed product page does not state separate eligibility rules for Fiduciary Liability; the general quote and advisor route is not proof that a particular business qualifies for it. ^8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

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.

THREE's Business Owners Policy page lists Fiduciary Liability among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. ^8,7Company-reported. Official THREE package marketing for Fiduciary Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

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.

The reviewed public product page does not state a separate limit or deductible for Fiduciary Liability; THREE says the quote-specific insurance summary lists limits and deductibles. ^8,7Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

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.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁶Company-reported. This is the route for the overall THREE product. It does not show whether Fiduciary Liability will be offered for a particular business or whether a customer can bind that line without an issued policy.