StartupInsurance.ai vs USI Insurance Services Fiduciary Liability Insurance

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. ³Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23.

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. ^7,8Company-reported. Business Services catalogue and ExecuSafe article.

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. ³Not publicly disclosed. Homepage carrier panel as read on 2026-09-23.

Neither page names the insurer USI uses for fiduciary liability placements. ⁷Not publicly disclosed. Pages as read on 2026-09-23.

Not described in the reviewed sources.

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. ^7,8Company-reported. Company description of client segments for each source.

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. ³Company-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.

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. ^7,8Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.

Not described in the reviewed sources.

Neither page publishes fiduciary liability limit or retention figures. ⁷Not publicly disclosed. Pages as read on 2026-09-23.

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. ³Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy.

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. ^7,8Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step.

"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." ²Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line.

USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^7,8Company-reported. Contact instructions on each page.