Fiduciary allegations
Discuss claims alleging errors in the administration or oversight of employee benefit plans.
Bring the detail
Prepare plan types and participant counts. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Defence & policy terms
Review insured persons, plan definitions, defence costs, exclusions, and reporting conditions.
Bring the detail
Prepare plan assets and financial information. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Related management cover
Compare fiduciary cover with D&O, employee benefits liability, and other policies.
Bring the detail
Prepare governance documents and committee roster. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Plan types and scale
Describe plans, participants, assets where requested and jurisdictions.
Governance and providers
Explain committee roles, oversight and outsourced services.
Terms and known matters
Compare limits, retention, defence costs and required disclosures.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.
Read: Preparing a fiduciary liability insurance discussion →