---
title: "Beazley vs Coalition: Fiduciary Liability Insurance"
description: "Beazley advertises fiduciary limits up to $20 million; Coalition’s Executive Risks allows up to $10 million per coverage line and caps eligible organizations at $500 million in assets, 1,000 employees and $500 million in plan assets."
canonical: "https://spot.insure/compare/beazley-vs-coalition/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "beazley-vs-coalition"
provider-a: "beazley"
provider-b: "coalition"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-coalition/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of Beazley 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 Beazley versus Coalition. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Coalition for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Beazley or Coalition?
- What does Beazley or Coalition publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Beazley and Coalition.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-29.

**Related pages:**
- [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition) — all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile

# Beazley vs Coalition: How Do They Compare for Fiduciary Liability Insurance?

Beazley underwrites fiduciary liability with published limits up to $20 million; Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only

Beazley advertises fiduciary limits up to $20 million; Coalition offers up to $10 million per line for organizations within its $500 million asset, 1,000 employee and $500 million plan-asset caps.

## Beazley vs Coalition Fiduciary Liability Insurance Summary

Beazley advertises fiduciary limits up to $20 million; Coalition’s Executive Risks allows up to $10 million per coverage line and caps eligible organizations at $500 million in assets, 1,000 employees and $500 million in plan assets. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [4](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## What Are the Key Differences Between Beazley and Coalition Fiduciary Liability Insurance?

### Underwriter Identity

Beazley underwrites fiduciary liability, though its product page does not identify the issuing Beazley entity. Coalition sells fiduciary through appointed brokers as one of four Executive Risks coverages, with Zurich American named for admitted policies. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [4](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

### Capacity and Eligibility Caps

Beazley advertises fiduciary limits up to US $20 million with an optional additional defense limit. Coalition says limits up to $10 million per coverage line may be available, subject to exclusions. Coalition restricts Executive Risks, including fiduciary, to private and not-for-profit U.S. organizations in all 50 states and D.C., with up to $500 million in assets, 1,000 employees and $500 million in plan assets. Beazley’s reviewed fiduciary claims do not publish those size caps. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### Coverage Specificity and Services

Beazley lists PPA, ERISA, IRC, PPACA and HIPAA sublimits, omnibus plan language, voluntary-compliance cover other than HIPAA, settlor-capacity protection, BeazleySure, and choice of counsel. Coalition says fiduciary provides coverage for claims of mismanagement of employee benefits and pension plans, without those sublimit figures. Beazley can be quoted via an ExecuGuard application. Coalition does not sell Executive Risks direct to buyers. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## What Should You Confirm in Beazley and Coalition Fiduciary Liability Insurance Quotes?

- Ask Coalition whether the fiduciary policy is admitted Zurich or non-admitted unaffiliated paper. [4](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Ask Beazley which entity issues the policy and whether ExecuGuard limits are shared. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)")
- Check Coalition’s employee, asset and plan-asset caps. [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Compare HIPAA and settlor terms; Beazley publishes them, Coalition’s one-sentence description does not. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Beazley vs Coalition Fiduciary Liability Insurance Compared

| Criteria | Beazley Fiduciary Liability | Coalition Executive Risks — Fiduciary Liability |
| --- | --- | --- |
| Limits and Retentions | Beazley advertises fiduciary limits up to US $20 million, with an optional additional defense limit available; the statutory sublimits described above apply within that overall limit. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Advertised maximum capacity, not a guaranteed quote amount..) | 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. [3](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..) |
| How to Apply | The Fiduciary page lists a downloadable ExecuGuard application as its Tools & Resources item, rather than a fiduciary-only application. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page Tools & Resources section as read on 2026-09-23..) | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) |
| Coverage Features | Beazley explains that fiduciary liability protects the individuals responsible for running employee benefit plans, such as health plans, pension plans and 401(k) accounts, from personal liability if a claim is made against the plan, a personal exposure the page says many plan sponsors don't realize they have. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page description; exclusions and conditions are set by the issued policy..)<br><br>The policy includes statutory-claim sublimits of US $250,000 for claims under the Pension Protection Act of 2006, ERISA Section 502(c), Internal Revenue Code Section 4975 and the PPACA, plus a separate US $1,000,000 sublimit for HIPAA claims and up to US $1,000,000 in coverage for HIPAA civil fines. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page sublimit list; these sublimits sit inside, and are lower than, the overall policy limit..)<br><br>Beazley includes "omnibus" pension and welfare plan language, a US $25,000 sublimit for IRS and DOL voluntary compliance programs other than HIPAA, and settlor-capacity protection now written into the fiduciary insuring clauses. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") (Evidence: Company-reported; scope: Fiduciary product page feature list; actual plan-coverage scope depends on the issued policy wording..) | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. [3](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..) |
| Role in This Line | Beazley underwrites fiduciary liability coverage for the individuals who administer employer benefit plans, sold standalone on its dedicated Fiduciary page and as one of three coverages bundled in its ExecuGuard package policy alongside D&O and employment practices liability. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/ "Fiduciary") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US fiduciary liability as described on the two reviewed product pages; does not establish which entity issues a particular policy..) | Coalition designs and distributes fiduciary liability as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [3](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) |

## About Beazley and Coalition and Fiduciary Liability Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews)
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)

## Related Pages for Beazley vs Coalition Fiduciary Liability Insurance

- [Beazley vs Coalition](https://spot.insure/compare/beazley-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.
- [Beazley Fiduciary Liability Insurance](https://spot.insure/insurance-providers/beazley/fiduciary)
- [Coalition Fiduciary Liability Insurance](https://spot.insure/insurance-providers/coalition/fiduciary)

## Sources for Beazley vs Coalition Fiduciary Liability Insurance

### Sources About Beazley

1. [Fiduciary](https://www.beazley.com/en-us/products/executive-risk-usa/fiduciary/). Beazley; What we offer: personal liability for individuals running benefit plans; Up to US $20,000,000; How can we help: PPA/ERISA/IRC/PPACA and HIPAA sublimits, omnibus plan language, voluntary-compliance sublimit, settlor-capacity protection, BeazleySure; Tools & Resources: Execuguard application. Accessed 2026-09-23.
2. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available. Accessed 2026-09-23.

### Sources About Coalition

3. [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.
4. [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.

Updated 2026-09-29. 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.

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