CFC vs 
Coalition D&O Insurance
CFC’s D&O sits in a US management-liability package with California and public-company declines; Coalition’s D&O is one of four Executive Risks covers with limits up to $10 million through appointed brokers.
What Is CFC Insurance?
CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. 1,2,3,4
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 8,9,10,11
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 13
Key Differences in D&O Insurance
Management-Liability Package Versus Executive Risks Suite
CFC includes directors and officers liability inside its US Management Liability package and separately sells Side A DIC. Coalition designs and distributes D&O as one of four coverages in Executive Risks, sold only through appointed brokers. CFC’s regulatory page discloses CFC Underwriting Limited and Lloyd’s Syndicate 1988 without naming the US D&O issuer; Coalition’s disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted Executive Risks carrier and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers. 5 4 11 12
Eligibility Gates
CFC’s brochure lists California-domiciled business and US publicly traded companies among declined risks for the package that carries this D&O. 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 additional stated gates on that page. 6 11
Limits and Services Around the Cover
Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including D&O, and that policyholders get a customized risk assessment, an HR and director/officer hotline, employee training, a handbook builder and website resources. CFC lists an additional insured-persons limit without a dollar figure, says the cover includes the entity and aims to keep directors from selling personal assets for defense, and provides US claim notification by phone, email and online form with a dedicated adjuster. CFC’s brochure does not publish a D&O limit. 11 6 7
What to Confirm in D&O Insurance Quotes
- Ask CFC whether California domicile or US public status blocks the package. 6
- Ask Coalition whether you sit inside the $500 million asset / 1,000 employee gates and whether Zurich American or an unaffiliated insurer would issue. 11 12
- Compare Coalition’s advertised $10 million per-line maximum with CFC’s unpublished package limit and additional insured-persons amount. 11 6
- Ask CFC whether Side A DIC would sit above the package; Coalition’s reviewed pages do not describe a separate Side A DIC product. 5 11
Offering Details
CFC vs Coalition D&O Insurance: documented features by provider
| Criteria | CFC Directors & Officers Liability | Coalition Executive Risks — Directors and Officers Liability (D&O) |
|---|---|---|
| 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. 5,6Company-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. 11Company-reported. Executive Risks product page as read on 2026-09-23. |
| Issuing Insurer | CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US D&O policy. 4,6Not publicly disclosed. Regulatory information page and brochure as read on 2026-09-23. | 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. 12Company-reported. U.S. Disclaimers page as read on 2026-09-23. |
| 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. 6Company-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. 11Company-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. 6Company-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. 6Company-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. 5Company-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. 11Company-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 brochure does not publish a specific dollar limit, retention, or the size of the additional insured-persons limit for D&O. Those figures appear only on the quote and declarations. 6Not publicly disclosed. Brochure as read on 2026-09-23. | 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. 11Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. |
| Risk Services | Not described in the reviewed sources. | 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. 11Company-reported. Executive Risks page and FAQ as read on 2026-09-23. |
| How to Apply | Not described in the reviewed sources. | Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. 11Company-reported. Executive Risks product page as read on 2026-09-23. |
| Claims Support | CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. 7Company-reported. Claims page as read on 2026-09-23; not specific to D&O claim outcomes or timing. | Not described in the reviewed sources. |
Full Comparison
More CFC vs Coalition Comparisons
Other D&O Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
- Management liability — United States product brochure. CFC; Directors and officers cover; At a glance: What we like; What we decline; What else is in the policy? Accessed 2026-09-23.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.
Coalition
- 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.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. 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.
