CFC vs 
Coalition: How Do They Compare for D&O Insurance?
CFC includes D&O in its US management-liability package and separately offers Side A DIC excess cover; Coalition distributes Executive Risks through brokers, with up to $10 million per line potentially available.
Coalition sells D&O through brokers to private and nonprofit U.S. organizations in all 50 states, with up to $10 million per line and HR and board-support services. CFC bundles D&O into a management-liability package that declines California-domiciled and publicly traded companies. 5,1,2
What Are the Key Differences Between CFC and Coalition D&O Insurance?
Who Qualifies
Coalition's Executive Risks, which include D&O, cover organizations with up to $500 million in assets and up to 1,000 employees, plus other gates listed on its page. CFC's brochure declines California-domiciled and US publicly traded companies for the package that carries its D&O. Choose Coalition if you're based in California or run a nonprofit under those size limits; choose CFC if you're outside California and want D&O packaged with other management liability plus a separate Side A DIC option. 5 2 1
Stated $10M Limit and HR Tools vs Unstated Limits and a Claims Adjuster
Coalition says limits up to $10 million per line may be available and adds a risk assessment, an HR and director hotline, employee training and a handbook builder. CFC publishes no D&O limit or dollar figure for its extra limit for directors personally; its strength is at claim time, with US notification by phone, email or online form and a dedicated adjuster. 5 2 4
How You Buy
Coalition sells Executive Risks only through appointed brokers, so you need a broker with a Coalition appointment. CFC includes D&O only inside its US Management Liability package. 5 1
What Should You Confirm in CFC and Coalition D&O Insurance Quotes?
- Ask CFC whether California domicile or public status blocks you before you apply. 2
- Ask Coalition whether you fit the $500 million asset and 1,000-employee gates, and whether Zurich American (its named admitted carrier) or another insurer issues your policy. 5 6
- Ask CFC for its package limit and extra director limit in dollars, and compare them with Coalition's $10 million per-line maximum. 5 2
- Ask CFC which insurer issues the US policy; its regulatory page names only CFC Underwriting and Lloyd's Syndicate 1988. 3
CFC vs Coalition D&O Insurance Compared
CFC vs Coalition: D&O Insurance: documented features by provider
| Criteria | CFC Directors & Officers Liability | Coalition Executive Risks — Directors and Officers Liability (D&O) |
|---|---|---|
| Who It’s For | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this D&O coverage. 2Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | 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. 5Company-reported. Executive Risks FAQ as read on 2026-09-23. |
| Coverage Features | CFC says its directors and officers cover includes protection for the entity itself and aims to prevent directors and officers from having to sell personal assets to pay defense costs. 2Company-reported. Brochure's 'Directors and officers cover' description; the issued policy wording determines actual entity and Side B/C coverage terms. CFC's brochure lists an additional limit for insured persons as part of the directors and officers liability section, on top of the package's base limit. 2Company-reported. Brochure's 'What else is in the policy?' list; the dollar amount of that additional limit is not stated on the reviewed pages. CFC separately offers Side A DIC (difference in conditions), which it describes as excess coverage for directors and officers of private and publicly traded organizations, sitting above the primary management-liability D&O cover. 1Company-reported. Management-liability product page; Side A DIC has its own brochure that was not opened for this record, so its terms are not otherwise described here. | Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. 5Company-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. |
| Role in This Line | CFC includes directors and officers liability inside its US Management Liability package rather than selling it as a standalone product. It separately sells Side A DIC, an excess policy that sits above a company's existing D&O program. 1,2Company-reported. CFC's management-liability product page and brochure; package composition as CFC describes it. | Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 5Company-reported. Executive Risks product page as read on 2026-09-23. |
