What Is StartupInsurance.ai?
StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. 1,2
Read the StartupInsurance.ai profile
Read the StartupInsurance.ai Fiduciary Liability Insurance page
THREE small business insurance: coverage, issuer and buying routes
THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. 4,5
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Fiduciary Liability Insurance page
What Is Fiduciary Liability Insurance?
Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. 7,8,9
Key Differences in Fiduciary Liability Insurance
Reviewing Existing Forms for AI Exclusions
StartupInsurance.ai says a major carrier has added a blanket AI exclusion to fiduciary forms and offers a free policy check that it says reviews exclusions within 48 hours. THREE's product page lists fiduciary liability in its package but does not describe a similar review of existing forms. If renewal language is the concern, ask StartupInsurance.ai for the specific endorsement analysis and ask THREE whether its quoted form has an AI exclusion. 2 6
Separate Line Selection or Combined Policy
StartupInsurance.ai names fiduciary liability among a startup program's several placed lines and gives it a dedicated option in online quote intake. THREE presents it as a component of its combined Business Owners Policy. A buyer coordinating D&O, cyber and employee-plan coverage can compare StartupInsurance.ai's line-selection process with the package structure THREE proposes, without assuming either route includes fiduciary protection automatically. 2 3 6
Who Explains the Quote
StartupInsurance.ai's intake labels fiduciary as claims related to employee-benefit plan management. THREE offers an online quote and licensed Small Business Advisors to help with the process. The descriptions leave policy wording, covered plan types and limits to the actual proposal, so compare the documents and ask who can explain exclusions before binding. 3 4
What to Confirm in Fiduciary Liability Insurance Quotes
- Request the fiduciary form and every endorsement from both routes; ask specifically whether an AI exclusion applies and how it affects plan administration claims. 2 6
- Ask THREE to identify the fiduciary limit and covered plans in the package quote, and ask StartupInsurance.ai what insurers and forms its placement can access. 2 6
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
StartupInsurance.ai
Review Score
No reviews found
StartupInsurance.ai has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[8][1][6]
Read StartupInsurance.ai reviewsTHREE by Berkshire Hathaway
Review Score
2 rated sources
The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsOffering Details
StartupInsurance.ai vs THREE by Berkshire Hathaway: Fiduciary Liability Insurance: documented features by provider
| Criteria | StartupInsurance.ai Fiduciary Liability Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | 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. 2Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23. | 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. 6Company-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. |
| Issuing Insurer | 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. 2Not publicly disclosed. Homepage carrier panel as read on 2026-09-23. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 5Company-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. |
| Who It’s For | Confirm in your quote. | 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. 6,4Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | 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. 2Company-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. | 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. 6,5Company-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. |
| Limits and Retentions | Confirm in your 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. 6,5Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| Risk Services | 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. 2Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy. | Confirm in your quote. |
| How to Apply | "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." 3Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 4Company-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. |
Full Comparison
More StartupInsurance.ai vs THREE by Berkshire Hathaway Comparisons
Other Fiduciary Liability Insurance Comparisons
Sources
StartupInsurance.ai
- Company | Startup Insurance. StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
- Startup Insurance | Coverage that clears the review. 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.
- Apply for Startup Insurance | StartupInsurance.ai. StartupInsurance.ai; Coverage-selection screen: Fiduciary — “Covers claims related to employee benefit plan management”. Accessed 2026-09-23.
THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form. Accessed 2026-09-30.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy. Accessed 2026-09-30.
- Business Owners Policy - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE. Accessed 2026-09-30.
Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability. Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
