--- title: "Beazley Fiduciary Liability Insurance" description: "What Beazley Fiduciary Liability Insurance covers, its limits and retentions, and how to apply, cited to Beazley’s own published sources." canonical: "https://spot.insure/insurance-providers/beazley/fiduciary" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/beazley/fiduciary) # Beazley Fiduciary Liability Insurance Beazley Fiduciary Liability Beazley underwrites fiduciary liability coverage for the individuals who administer employer benefit plans, sold standalone on its dedicated Fiduciary page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and employment practices liability. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US fiduciary liability as described on the two reviewed product pages; does not establish which entity issues a particular policy.) ## Issuing Insurer - **Not found in reviewed sources.** The Fiduciary product page does not name the specific Beazley insurance entity that issues the policy. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Scope: Fiduciary page as read on 2026-09-23; the issued policy's declarations control the actual insurer.) ## Coverage Features - Beazley explains that fiduciary liability protects the individuals responsible for running employee benefit plans, such as health plans, pension plans and 401(k) accounts, from personal liability if a claim is made against the plan, a personal exposure the page says many plan sponsors don't realize they have. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page description; exclusions and conditions are set by the issued policy.) - The policy includes statutory-claim sublimits of US $250,000 for claims under the Pension Protection Act of 2006, ERISA Section 502(c), Internal Revenue Code Section 4975 and the PPACA, plus a separate US $1,000,000 sublimit for HIPAA claims and up to US $1,000,000 in coverage for HIPAA civil fines. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page sublimit list; these sublimits sit inside, and are lower than, the overall policy limit.) - Beazley includes "omnibus" pension and welfare plan language (intended to automatically cover newly created or acquired benefit plans), a US $25,000 sublimit for IRS and DOL voluntary compliance programs other than HIPAA, and settlor-capacity protection now written into the fiduciary insuring clauses. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page feature list; actual plan-coverage scope depends on the issued policy wording.) ## Limits and Retentions - Beazley advertises fiduciary limits up to US $20 million, with an optional additional defense limit available; the statutory sublimits described above apply within that overall limit. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Advertised maximum capacity, not a guaranteed quote amount.) ## Risk Services - Fiduciary policyholders get free access to BeazleySure, Beazley's online risk-management platform, which the Fiduciary page describes as providing loss-prevention content on employee-benefits topics. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page service description; actual entitlements depend on the policy purchased.) ## How to Apply - The Fiduciary page lists a downloadable ExecuGuard application as its Tools & Resources item, rather than a fiduciary-only application, indicating fiduciary coverage is typically quoted together with the combined ExecuGuard package. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page Tools & Resources section as read on 2026-09-23.) ## Claims Support - Beazley says fiduciary policyholders get pre-approved choice-of-counsel flexibility, but the reviewed page does not otherwise describe fiduciary-specific claims handling beyond that; general policy notice and claims-contact guidance is provided on Beazley's separate claims-notification page. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page as read on 2026-09-23; claims-handling quality is not independently assessed.) ## Beazley Fiduciary Liability Insurance Compared - [Beazley vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-beazley/fiduciary) - [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb/fiduciary) - [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition/fiduciary) - [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi/fiduciary) - [Beazley vs Coverdash](https://spot.insure/compare/beazley-vs-coverdash/fiduciary) - [Beazley vs Cowbell](https://spot.insure/compare/beazley-vs-cowbell/fiduciary) ## Other Beazley Coverage Lines - [Beazley Commercial Property Insurance](https://spot.insure/insurance-providers/beazley/commercial-property) - [Beazley Crime Insurance](https://spot.insure/insurance-providers/beazley/crime) - [Beazley Cyber Insurance](https://spot.insure/insurance-providers/beazley/cyber) - [Beazley D&O Insurance](https://spot.insure/insurance-providers/beazley/directors-officers) - [Beazley Employment Practices Liability Insurance](https://spot.insure/insurance-providers/beazley/employment-practices) - [Beazley Fidelity Bonds](https://spot.insure/insurance-providers/beazley/fidelity-bonds) - [Beazley General Liability Insurance](https://spot.insure/insurance-providers/beazley/general-liability) - [Beazley Management Liability Insurance](https://spot.insure/insurance-providers/beazley/management-liability) - [Beazley Media Liability Insurance](https://spot.insure/insurance-providers/beazley/media) - [Beazley Medical Malpractice Insurance](https://spot.insure/insurance-providers/beazley/medical-malpractice) - [Beazley Product Liability Insurance](https://spot.insure/insurance-providers/beazley/product-liability) - [Beazley Product Recall Insurance](https://spot.insure/insurance-providers/beazley/product-recall) - [Beazley Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/beazley/professional-errors-omissions) - [Beazley Representations and Warranties Insurance](https://spot.insure/insurance-providers/beazley/representations-warranties) - [Beazley Tech E&O Insurance](https://spot.insure/insurance-providers/beazley/technology-errors-omissions) - [Beazley Telehealth Insurance](https://spot.insure/insurance-providers/beazley/virtual-care-telehealth) ## Related - [Beazley Profile](https://spot.insure/insurance-providers/beazley) - [Beazley Reliability](https://spot.insure/insurance-providers/beazley/reliability) - [Beazley Alternatives](https://spot.insure/insurance-providers/beazley/alternatives) - [Coverage Guide: Fiduciary liability](https://spot.insure/coverage/fiduciary) ## Sources 1. [Fiduciary](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/). Beazley; What we offer: personal liability for individuals running benefit plans; Up to US $20,000,000; How can we help: PPA/ERISA/IRC/PPACA and HIPAA sublimits, omnibus plan language, voluntary-compliance sublimit, settlor-capacity protection, BeazleySure; Tools & Resources: Execuguard application. Accessed 2026-09-23. 2. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available. Accessed 2026-09-23. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/beazley/fiduciary.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)