RiskCube vs USI Insurance Services 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.

USI brokers fiduciary liability coverage, which protects a company and its plan fiduciaries against claims of mismanaging an employee benefit plan; USI places it individually or reviews it as part of a management liability program under its ExecuSafe endorsement package. ^9,10Company-reported. Business Services catalogue and ExecuSafe article.

Not described in the reviewed sources.

Neither page names the insurer USI uses for fiduciary liability placements. ⁹Not publicly disclosed. Pages 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.

USI's Business Services practice targets building and maintenance, repair service, janitorial, staffing and printing companies for its broader coverage catalogue, which includes fiduciary liability; the ExecuSafe article separately targets small- and medium-sized businesses generally for management liability review. ^9,10Company-reported. Company description of client segments for each source.

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.

USI lists fiduciary liability among the coverages it places for business-services clients, and separately says its ExecuSafe review looks for gaps in a client's existing fiduciary liability coverage as part of a management liability review. ^9,10Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the 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The reviewed fiduciary liability catalogue card and contact-form page do not publish limit, retention or premium ranges for this line.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.

Neither page publishes fiduciary liability limit or retention figures. ⁹Not publicly disclosed. Pages as read on 2026-09-23.

Not described in the reviewed sources.

USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines, including fiduciary liability, and its ExecuSafe process specifically reviews existing fiduciary liability policies for coverage gaps. ^9,10Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step.

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.

USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^9,10Company-reported. Contact instructions on each page.