---
title: "Does Fiduciary Liability Cover Pension Plans?"
description: "Fiduciary liability may cover pension-plan claims when the plan is included in the policy and the claim meets its terms."
canonical: "https://spot.insure/insurance-faq/fiduciary-liability/does-fiduciary-liability-cover-pension-plans"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Fiduciary Liability Cover Pension Plans?

Fiduciary liability may cover pension-plan claims when the plan is included in the policy and the claim meets its terms.

Defined-benefit and multiemployer plans can have different exposures. Check the plan schedule and definitions rather than relying on a generic pension reference.

List each pension plan by legal name and type when requesting a quote, including any multiemployer or acquired arrangement. Check whether the policy automatically includes new plans or requires notice or insurer consent, and whether the insured sponsor, trustees, committee members, and administrators are included. Compare claims-made dates, exclusions, defense-cost limits, retention, and treatment of benefit amounts or plan losses in the specific issued wording.

## Related Questions

- [Does Fiduciary Liability Cover 401(k) Plans?](https://spot.insure/insurance-faq/fiduciary-liability/does-fiduciary-liability-cover-401k-plans)
- [Does Fiduciary Liability Cover Trustees?](https://spot.insure/insurance-faq/fiduciary-liability/does-fiduciary-liability-cover-trustees)
- [Does Fiduciary Liability Cover Health Plans?](https://spot.insure/insurance-faq/fiduciary-liability/does-fiduciary-liability-cover-health-plans)
- [What Does Fiduciary Liability Insurance Cover?](https://spot.insure/insurance-faq/fiduciary-liability/what-does-fiduciary-liability-insurance-cover)

## Related Coverage

- [Fiduciary liability](https://spot.insure/coverage/fiduciary)

## Sources

1. [FAQs about Retirement Plans and ERISA](https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/faqs/retirement-plans-and-erisa). U.S. Department of Labor, Employee Benefits Security Administration; What are the responsibilities of plan fiduciaries?; Is it possible to sue under ERISA?. Accessed 2026-09-25.
2. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). 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; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-25.
3. [Fiduciary Liability Coverage Application](https://asset.trvstatic.com/download/assets/fri-n-14100-0922.pdf/e2a5bc4aa93911f08feeaa30294fdb52). Travelers Casualty and Surety Company of America; Requested Insurance Terms p.2; General and Plan Information pp.1–2; Loss Information p.2. Accessed 2026-09-25.

More answers: [Fiduciary Liability and ERISA Bonds FAQ](https://spot.insure/insurance-faq/fiduciary-liability).

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