Fiduciary
Executive Risk Protection

Fiduciary Liability Insurance

RLI’s fiduciary liability policy stands between your clients and their exposure to Employee Retirement Income Security Act (ERISA) liability.

Insurance Type
Admitted & Non-admitted
Distribution
Retail & Wholesale
Availability
Available in 50 U.S. states.
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Not an agent or broker? 

If you're a fiduciary interested in liability insurance, ask your insurance agent or broker for a quote from RLI.

coverage

The value of RLI Fiduciary coverage

  • Insured Person explicitly includes estate, heir, legal representative or assign as well as a trust which holds assets contributed — in the event of death, incapacity or bankruptcy
  • Loss explicitly includes coverage for HIPAA penalties with no retention applicable
  • ERISA definition explicitly includes HIPAA
  • Insured Plan explicitly includes cafeteria plan, dependent care assistance program, and fringe benefit and voluntary employees’ beneficiary association as defined in sections 125, 129, 132 and 501(c)(9) of the U.S. Internal Revenue code
  • Claim explicitly includes a written request to toll or waive a statute of limitations relating to a potential claim
  • Claim explicitly includes demand for arbitration
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Fiduciary appetite

Includes but not limited to:

  • Public: Any publicly traded company with details of how much employer stock in the plans
  • Private: Any private company that does not have a leveraged ESOP
  • Not for Profit: Any not-for-profit organization
  • Labor Management Trust (LMT): Only local labor unions, no national labor unions
  • Governmental entities
  • Religious affiliations
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Our value, your benefit

  • Available in excess coverage (pure follow-form coverage sits over all coverages)
  • Automatic merger and acquisition and automatic run-off coverages
  • Broad punitive damage and spousal liability coverages
  • Zero retention for investigative costs coverage for favorably resolved claims
  • A three-year discovery quote guaranteed
  • Investigations are included in the definition of claim
  • “Pay on behalf of” language
  • Claim notice “as soon as practicable”
  • Non-cancellability (except for non-payment of premium)
  • Worldwide coverage
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Contact an underwriter

Find your underwriter

Our nationwide team of underwriters utilize their expertise and innovative approached to underwrite risks specific to their regions and market segments.

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Executive Risk region map for contacts
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General Liability

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Get Appointed

Ready to partner with RLI?

If you're an agent or broker with a qualified book of business or a customer with a specialized insurance need, we'd love to partner with you.

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