---
title: "Does Fiduciary Liability Cover Trustees?"
description: "Trustees may be covered when acting as insured fiduciaries for a covered plan."
canonical: "https://spot.insure/insurance-faq/fiduciary-liability/does-fiduciary-liability-cover-trustees"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Fiduciary Liability Cover Trustees?

Trustees may be covered when acting as insured fiduciaries for a covered plan.

ERISA fiduciary status can follow authority over plan management or assets. Confirm the trustee’s role and plan are included in the policy.

Check whether named, appointed, independent, and former trustees qualify; whether a corporate trustee or outside fiduciary is covered; and whether the policy has an insured-versus-insured exclusion or allocation terms. Confirm how defense costs are handled if a claim names both insured and uninsured parties. The quote should identify covered plans and persons clearly, and any requested trustee extension should appear in an issued endorsement rather than only a marketing summary.

## Related Questions

- [Does Fiduciary Liability Cover Plan Administrators?](https://spot.insure/insurance-faq/fiduciary-liability/does-fiduciary-liability-cover-plan-administrators)
- [Does Fiduciary Liability Cover Executives?](https://spot.insure/insurance-faq/fiduciary-liability/does-fiduciary-liability-cover-executives)
- [Who Needs Fiduciary Liability Insurance?](https://spot.insure/insurance-faq/fiduciary-liability/who-needs-fiduciary-liability-insurance)
- [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. [Understanding Your Fiduciary Responsibilities Under a Group Health Plan](https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/understanding-your-fiduciary-responsibilities-under-a-group-health-plan). U.S. Department of Labor, Employee Benefits Security Administration; Who Is a Fiduciary?; What Is the Significance of Being a Fiduciary?; Bonding. 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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