--- title: "AIG vs Coalition: Fiduciary Liability Insurance" description: "AIG describes fiduciary extensions for benefit plans, while Coalition sets published organization and plan-asset thresholds for Executive Risks." canonical: "https://spot.insure/compare/aig-vs-coalition/fiduciary" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-coalition" provider-a: "aig" provider-b: "coalition" coverage-line: "fiduciary" --- 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/compare/aig-vs-coalition/fiduciary) ## Agent Guide **What this page is:** Focused comparison of AIG and Coalition for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about AIG versus Coalition. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - AIG vs Coalition for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, AIG or Coalition? - What does AIG or Coalition publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from AIG or Coalition? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: AIG and Coalition. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [AIG vs Coalition](https://spot.insure/compare/aig-vs-coalition) — parent: all coverage lines for this pair - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line - [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence) - [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile (evidence) - [AIG vs Coalition Crime Insurance](https://spot.insure/compare/aig-vs-coalition/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs Coalition Cyber Insurance](https://spot.insure/compare/aig-vs-coalition/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs Coalition D&O Insurance](https://spot.insure/compare/aig-vs-coalition/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-coalition/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-coalition/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-aon/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-beazley/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-chubb/fiduciary) — sibling comparison (other line, or other pair for this line) # AIG vs Coalition: How Do They Compare for Fiduciary Liability Insurance? AIG describes fiduciary extensions for benefit plans, while Coalition sets published organization and plan-asset thresholds for Executive Risks. ## Research Scope and Use Use this comparison to evaluate AIG and Coalition for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Coalition states that Executive Risks can serve private and nonprofit organizations up to $500 million in assets and plan assets, with limits up to $10 million per line; AIG lists plan protections without publishing buyer-specific limits. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") ## What Is AIG? AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business") [AIG profile](https://spot.insure/insurance-providers/aig) ## What Is Coalition Insurance? Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. [4](https://www.coalitioninc.com/control "Coalition Control") [5](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [6](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [7](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [Coalition profile](https://spot.insure/insurance-providers/coalition) ## What Is Fiduciary Liability Insurance? Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [10](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [11](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## Key Differences in Fiduciary Liability Insurance ### Eligibility and Published Limits Coalition publishes thresholds for Executive Risks: private and nonprofit U.S. organizations with up to $500 million in assets, up to 1,000 employees and up to $500 million in plan assets. It says up to $10 million per coverage line may be available, subject to exclusions and limitations. AIG describes Fiduciary Edge protections for plan overseers but does not publish a buyer-specific limit schedule. Sponsors can use Coalition's stated thresholds to screen fit, then compare both quotes' actual limits and sublimits. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") ### Product Options and Distribution AIG lists options such as IRS Audit Protector, settlor coverage and an ACA extension. Coalition includes fiduciary liability in its Executive Risks suite, which is distributed through appointed brokers; its stated admitted and non-admitted placement routes can result in different issuing insurers. The purchasing route and extensions therefore both need to be verified before comparing premium or coverage labels. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") ## What to Confirm in Fiduciary Liability Insurance Quotes - Does Coalition's quote fit the organization's and plan's asset thresholds, and which insurer and placement route apply? [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") - Which AIG options are included, and what limit and sublimits apply to each? [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") ## Offering Details | Criteria | AIG Fiduciary Liability Insurance Edge | Coalition Executive Risks — Fiduciary Liability | | --- | --- | --- | | Role in This Line | AIG markets Fiduciary Liability Insurance Edge and related plan-fiduciary options. AIG’s page describes insurance protection but does not identify the issuing subsidiary for a specific account. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Coalition designs and distributes fiduciary liability as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific fiduciary policy depends on the placement route. [9](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23..) | | Who It’s For | AIG describes fiduciary coverage for business executives and people or entities overseeing 401(k), pension and employee welfare plans. The page does not establish eligibility for every plan sponsor or plan type. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | Coalition says Executive Risks products, including fiduciary liability, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23; the plan-assets cap is directly relevant to fiduciary eligibility..) | | Coverage Features | AIG says Fiduciary Edge addresses personal liability imposed on directors, officers and employees who oversee benefit plans and the sponsoring company. It describes certain penalty and compliance-program extensions subject to sublimits and policy terms. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23; exclusions and limitations apply per the page footer, and the issued policy controls actual terms..) | | Limits and Retentions | The page says some penalties, fees and expenses are subject to sublimits but does not publish a buyer-specific limit schedule. Confirm all sublimits and conditions in the quote and policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including fiduciary liability, subject to exclusions and limitations. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant..) | | Risk Services | AIG describes specialized underwriting and claims teams and lists the IRS Audit Protector program, settlor coverage and an ACA extension as product options. Availability and scope of each option must be confirmed in the issued form. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. [8](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | ## Full Comparison - [AIG vs Coalition](https://spot.insure/compare/aig-vs-coalition): all coverage lines, business roles, service and claims. - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included. - [AIG vs Coalition Crime Insurance](https://spot.insure/compare/aig-vs-coalition/crime) - [AIG vs Coalition Cyber Insurance](https://spot.insure/compare/aig-vs-coalition/cyber) - [AIG vs Coalition D&O Insurance](https://spot.insure/compare/aig-vs-coalition/directors-officers) - [AIG vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-coalition/employment-practices) - [AIG vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-coalition/professional-errors-omissions) - [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary) - [AIG vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-aon/fiduciary) - [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) - [AIG vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-beazley/fiduciary) - [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary) - [AIG vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-chubb/fiduciary) ## Sources ### AIG 1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28. 2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28. 3. [Fiduciary Liability Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability). AIG; Official AIG Fiduciary Liability page, lines 242–274: plan sponsor and fiduciary audience, Fiduciary Edge, example statutory sublimited coverages, IRS Audit Protector, settlor and ACA options, and standard-policy caveat.. Accessed 2026-09-30. ### Coalition 4. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16. 5. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16. 6. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16. 7. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16. 8. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering: Fiduciary Liability — provides coverage for claims of mismanagement of employee benefits and pension plans; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders?. Accessed 2026-09-23. 9. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23. ### Fiduciary Liability Insurance Guide 10. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16. 11. [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; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16. 12. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## AIG Reviews Review Score: 4.4 / 10 from 2 rated sources, equally weighted. Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance. - NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best) - Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com) - ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html) - BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews). ## Coalition Reviews Review Score: 10.0 / 10 from 1 rated source, equally weighted. Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers. - BBB: BBB business grade A+. Coalition (BBB profile, San Francisco, CA); business grade, separate from customer-review stars. Checked 2026-09-29. [Coalition - BBB profile (San Francisco)](https://www.bbb.org/us/ca/san-francisco/profile/cyber-security/coalition-1116-956032); [Search: "Coalition" site:bbb.org insurance reviews ratings](https://www.google.com/search?q=%22Coalition%22+site%3Abbb.org+reviews+OR+complaints) - RaveCapture: Broker review rating 5 (out of 5); 188 reviews. Verified broker and policyholder reviews of Coalition, collected through a third-party review-collection service. Checked 2026-09-29. [Coalition, Inc.: Broker Reviews](https://app.ravecapture.com/store/Coalition-inc-broker-reviews) - BizInsuranceCompare: Editorial score 7.7 (out of 10). Independent small-business insurance comparison site editorial score; publisher-defined methodology. Checked 2026-09-29. [Coalition review: small business insurance](https://www.bizinsurancecompare.com/carriers/coalition) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/coalition/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-coalition/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)