What Is The Hartford?
The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. 1,2,3
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 5,6
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. 9,10,11
Key Differences in Fiduciary Liability Insurance
Standalone versus package
The Hartford places fiduciary coverage among five options in its Private Choice Premier management-liability package and also lists a separate fiduciary line in financial-institutions products. Zurich says its Fiduciary Liability Select can be standalone or packaged for public and private companies. Ask which structure is available for your organization and what companion lines are required. 4 7
Covered plan activity
The Hartford describes protection against fiduciary mismanagement claims, including an employee claim involving unpaid medical bills under a benefit plan. Zurich describes claims and investigations arising from administration of employee savings, pension and health or welfare plans. A plan sponsor should compare the actual covered allegations and investigation terms, not just the examples. 4 8
Who can seek a quote
The Hartford names nonprofit, public and privately held organizations in its management-liability lineup. Zurich also identifies public and private companies for its fiduciary forms. Confirm nonprofit eligibility, the issuing entity and any size or industry conditions for the specific structure you request. 4 7
What to Confirm in Fiduciary Liability Insurance Quotes
- Ask The Hartford whether your organization qualifies for Private Choice Premier or the separate financial-institutions line and obtain the fiduciary schedule and limits. 4
- Ask Zurich to quote the requested standalone or packaged structure and state eligibility, limits, retentions and covered investigations in writing. 7
The Hartford and Zurich U.S. Review Scores for 2026
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.
The Hartford Review Score
Review Score
5 rated sources
The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.[1][2][4][5][6][7]
Read The Hartford reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsThe Hartford vs Zurich U.S. Fiduciary Liability Insurance Compared
The Hartford vs Zurich U.S.: Fiduciary Liability Insurance: documented features by provider
| Criteria | The Hartford Fiduciary Liability Insurance | Zurich Fiduciary Liability Insurance |
|---|---|---|
| Role in This Line | The Hartford's fiduciary liability coverage is one of five options in its Private Choice Premier management-liability package; it also offers a separate fiduciary liability line within its financial-institutions management and professional liability products. 4Company-reported. Management liability product page as read 2026-09-23. | Confirm in your quote. |
| Who It’s For | The Hartford's fiduciary liability coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. 4Company-reported. Management liability product page as read 2026-09-23. | Confirm in your quote. |
| Coverage Features | The Hartford says fiduciary liability insurance helps protect a business from claims of fiduciary mismanagement, giving as an example a staff member's claim after their medical bills weren't paid in accordance with the employer's benefit plans. 4Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. | Zurich’s Fiduciary Liability Select addresses claims and investigations involving administration of employee savings, pension and health/welfare plans. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich says it offers stand-alone and packaged fiduciary policies for public and private companies. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich lists current advancement of defense costs and no restrictions to panel-counsel lists as coverage-solution features. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Risk Services | Confirm in your quote. | Zurich says qualified multinational fiduciary customers can structure global programs with locally admitted policies tied to a U.S. master policy. 7Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; fiduciary liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
Related Pages for The Hartford vs Zurich U.S. Fiduciary Liability
Fiduciary Liability Insurance Pages for The Hartford and Zurich U.S.
Other Coverage Lines Compared for The Hartford vs Zurich U.S.
Other Fiduciary Liability Insurance Provider Comparisons
Sources for The Hartford vs Zurich U.S. Fiduciary Liability Insurance
Sources About The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Management Liability Insurance | Get a Quote. The Hartford; Fiduciary Liability Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions. Accessed 2026-09-23.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Fiduciary Liability Insurance | Zurich U.S. Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
- Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
Sources for the 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.
