What Is Aon?
Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. 1,2
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. 4,5,6,7
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 10,11,12
Key Differences in D&O Insurance
Technology Program and Market Access
Coalition includes D&O in a management-liability program aimed at technology businesses. Aon describes broking for public and private companies and uses analytics to select insurers. A technology buyer should ask whether Coalition’s program stands alone or shares limits, then compare the structure Aon can arrange. 3 8
Coverage Structure and Limits
Aon explains Side A, B and C protection. Coalition describes its D&O coverage and program limits, but the policy form determines how each side responds. Compare entity claims, securities exclusions and the aggregate available to your company. 3 8
What to Confirm in D&O Insurance Quotes
- Ask Coalition whether D&O shares limits with other management coverages and who issues it; ask Aon for insurer options and Side A/B/C terms. 3
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Aon
Review Score
3 rated sources
Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.[4][6][7]
Read Aon reviewsCoalition
Review Score
1 rated source
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.[10][14][13]
Read Coalition reviewsOffering Details
Aon vs Coalition: D&O Insurance: documented features by provider
| Criteria | Aon Directors and Officers Liability brokerage and risk-advisory offering | Coalition Executive Risks — Directors and Officers Liability (D&O) |
|---|---|---|
| Role in This Line | Aon markets D&O broking and advisory services, including insurer selection and program design. It does not issue the described coverage or name the carrier for a buyer’s placement. 3Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance. | Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 8Company-reported. Executive Risks product page as read on 2026-09-23. |
| Issuing Insurer | The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. 3Not found in reviewed sources. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available. | 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 D&O policy depends on the placement route. 9Company-reported. U.S. Disclaimers page as read on 2026-09-23. |
| Who It’s For | Aon describes D&O services for public and private companies and discusses executives, directors, managers and board members. This is a target-audience description, not an underwriting eligibility schedule. 3Company-reported. Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state. | Coalition says Executive Risks products, including D&O, 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. 8Company-reported. Executive Risks FAQ as read on 2026-09-23. |
| Coverage Features | Aon explains D&O policies generally through Side A individual protection when company indemnity is unavailable, Side B reimbursement when the company indemnifies a director or officer, and Side C entity coverage, with different descriptions for public and private companies. It notes exclusions can apply; an issued policy determines the actual scope. 3Company-reported. Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control. | Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. 8Company-reported. 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 reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. 3Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed. | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including D&O, subject to exclusions and limitations. 8Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. |
| Risk Services | Aon says its brokerage and claims teams collaborate on coverage negotiations and describes insurer-selection analytics and a D&O Risk Analyzer. Those are broker services, not an insurer claim decision or guarantee. 3Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated. | Coalition says Executive Risks policyholders, including D&O buyers, get a customized risk assessment, a hotline for assistance with HR and director/officer-related issues, employee training, a handbook builder, and website compliance tools. 8Company-reported. Executive Risks page and FAQ as read on 2026-09-23. |
| How to Apply | Confirm in your quote. | Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. 8Company-reported. Executive Risks product page as read on 2026-09-23. |
Full Comparison
More Aon vs Coalition Comparisons
Other D&O Insurance Comparisons
Sources
Aon
- Commercial Risk Solutions U.S. Brokerage Terms of Service. Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed. Accessed 2026-09-29.
- Middle Market Clients. Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page. Accessed 2026-09-29.
- Directors’ and Officers’ (D&O) Liability Insurance. Aon; D&O audience and coverage explanation, lines 123–160; insurer-selection, brokerage and claims collaboration, analytics and industry specialization, lines 171–189; contact link at top. Accessed 2026-09-30.
Coalition
- Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
- Tech E&O Insurance Coverage. 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.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Directors and Officers Liability (D&O) — offers protection for company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. 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.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
