The Right Choice for America’s Fiduciaries & Plan Sponsors

Encore Fiduciary is known for its combination of underwriting and claims expertise and thought leadership in protecting benefit plans trustees from complex liability exposures.  The Encore team provides proactive market solutions in an environment today that is seeing unprecedented lawsuits against fiduciaries and benefit sponsors. Our team of experts has more than 100 years of experience in underwriting these complex risks. We’re here to help mitigate the risks responsible in part for the significant spike in class-action lawsuits, as well as provide you with the ability to protect your clients in an increasingly challenging insurance market characterized by rising rates and capacity restrictions. 

Encore’s Fiduciary liability insurance policy is a market-leading fiduciary program designed for any employee benefit plan, including defined contribution and defined benefit plans, including single-employer, multi-employer plans and governmental plans. The policy is available on a nationwide basis through Hudson Insurance Company, one of the most dedicated carriers for employee benefit plans. Hudson has an AM Best rating of A+ (Superior), Financial Size Category XV ($2 billion or greater).


The Encore fiduciary policy is the industry’s gold standard because it provides an excellent scope of coverage to protect the plan and individual fiduciaries from personal fiduciary liability.

A Fiduciary Liability insurance policy is designed to protect plan trustees, other fiduciaries and the employee benefit plan against claims alleging breach of their fiduciary duties to the plan or claims alleging they committed an error in the administration of the plan. The policy provides two important basic benefits: defense and indemnity.

Our Commitment to Responsive,
Fair Claims Resolutions

Our fiduciary claims expertise is second to none. Our claims authority, supported by a strong bench of lawyers with unparalleled legal and claims experience within our defined niche, and a carrier with a solid history of paying claims fairly and responsively, also set us apart in the industry. Our professionals have legal and fiduciary expertise with the authority to act to resolve complex claims.

Qualified Accounts for Our Policy

Contact us to discuss client eligibility.

Product & Program Highlights

Single-employer Benefit Plans

Encore’s fiduciary liability protects employee benefit plan sponsors and has grown into the choice of many of America’s most sophisticated and complex single-employer plans. Encore provides the scope of coverage, expertise and thought leadership to support single-employer plan sponsors. We are advocates helping to mitigate the litigation trends harming plan sponsors.

Multi-employer Benefit Plans

Encore is a leading underwriter for multi-employer benefit plans with our market leading Fiduciary Liability Insurance policy written with Hudson Insurance Company. Encore has provided a consistent, reliable and independent fiduciary liability market to protect Multi-employer plans and their trustees. We have been at the forefront of our industry introducing valuable coverage enhancements in our fiduciary policy form. This helps create peace of mind for the Plan Trustees charged with the responsibility to act as Prudent fiduciaries under the law of ERISA.

Governmental Benefit Plans

Encore is the market fiduciary insurance leader for governmental plans. America’s best-run governmental plans choose Encore Fiduciary Product Overview to protect their plans. Our deep fiduciary experience and expertise allow us to provide a better approach for Fiduciary insurance for governmental plans. We provide transparency and choice based on the level of indemnification available to fiduciaries as many plans unsuspectingly purchase insurance that does not offer full coverage. We offer indemnifiable and non-indemnifiable options for government plans including Side A coverage.  

For more details about our Fiduciary insurance product, please download our “Encore Fiduciary Product Overview.” 

We Wrote the Book on Fiduciary Insurance (literally)

We’ve put our fiduciary experience and expertise on paper and online in the “Fiduciary Liability Insurance Handbook,” for you to download and gain insight into why it is so critical that coverage is designed to fit an employer’s or entity’s benefit plan. Obtain your complimentary copy here.

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Download PDF of Handbook

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