Chubb vs 
Coalition Fiduciary Liability Insurance
Chubb underwrites ForeFront fiduciary for private companies; Coalition distributes Executive Risks fiduciary through brokers with $10 million limits.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
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. 6,7,8,9
What Is Fiduciary Liability Insurance?
Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. 11,12
Key Differences in Fiduciary Liability Insurance
Portfolio Product Versus Executive Risks Suite
Chubb underwrites fiduciary liability directly through ForeFront Portfolio 3.0 for a privately owned company, its fiduciaries and its benefit plans. Coalition designs and distributes fiduciary as one of four Executive Risks coverages, sold only through appointed brokers rather than direct to buyers. 4 5 9
Who Can Buy It
Chubb says private-company underwriters across the U.S. handle the product across a broad spectrum of industries. Coalition says Executive Risks, including fiduciary, 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. 4 9
What the Coverage Description Includes
Chubb lists allegations such as wrongful denial or improper change in benefits, plan-administration errors, improper advice, prohibited transactions, failure to follow plan documents, conflicts of interest, and imprudent investment or monitoring of third-party providers, and it insures the company, executives, employees and the benefit plan itself. Coalition describes fiduciary liability as coverage for claims of mismanagement of employee benefits and pension plans, without that allegation list. 4 9
Limits and Issuing Paper
Chubb’s reviewed fiduciary page does not publish policy limits or retentions. Coalition says limits up to $10 million per coverage line may be available, and its disclaimer names Zurich American Insurance Company as the admitted carrier for Executive Risks, with Coalition Insurance Solutions also placing the suite with unaffiliated insurers on a non-admitted basis. 4 9 10
What to Confirm in Fiduciary Liability Insurance Quotes
- Ask whether you sit inside Coalition’s asset, employee and plan-asset caps, which Chubb’s private-company product does not publish as numeric thresholds. 9 4
- Get Coalition’s admitted versus non-admitted issuing insurer, and the Chubb entity on ForeFront. 10 5
- Compare Coalition’s $10 million per-line figure with the limit on a Chubb Marketplace quote. 9 5
- Confirm whether Chubb’s plan-as-insured wording and Coalition’s mismanagement description both appear on the specimens. 4 9
Offering Details
Chubb vs Coalition Fiduciary Liability Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio 3.0 Fiduciary Liability Insurance | Coalition Executive Risks — Fiduciary Liability |
|---|---|---|
| Role in This Line | Chubb underwrites Fiduciary Liability insurance directly through ForeFront Portfolio 3.0, designed to protect a privately owned company, its fiduciaries and its benefit plans against personal liability for errors, omissions or breaches of fiduciary duty related to benefit plans. 4Company-reported. ForeFront Portfolio 3.0 Fiduciary Liability product page. | Coalition designs and distributes fiduciary liability as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 9Company-reported. Executive Risks product page as read on 2026-09-23. |
| Issuing Insurer | Not described in the reviewed sources. | 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. 10Company-reported. U.S. Disclaimers page as read on 2026-09-23. |
| Who It’s For | Chubb says private-company underwriters located across the U.S. handle this product and are experienced in a broad spectrum of industries. 4Company-reported. Coverage Highlights, Benefits section. | 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. 9Company-reported. Executive Risks FAQ as read on 2026-09-23; the plan-assets cap is directly relevant to fiduciary eligibility. |
| Coverage Features | Chubb lists coverage responding to allegations including wrongful denial or improper change in benefits, error or omission in plan administration, improper advice or counsel, prohibited transactions, failure to administer a plan according to its documents, conflict of interest, and imprudent investment or selection/monitoring of third-party service providers. 4Company-reported. Coverage Highlights, Coverage Responds to allegations list; subject to the policy as issued. Chubb says the policy insures the company, the company's executives and employees, and the company's employee benefits plan itself. 4Company-reported. Coverage Highlights list. | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. 9Company-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 publish specific policy limits or retentions for Fiduciary Liability coverage. 4Not found in reviewed sources. ForeFront Portfolio 3.0 Fiduciary Liability page as read on 2026-09-23. | 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. 9Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. |
| Risk Services | Chubb says Fiduciary Liability policyholders have access to loss-prevention resources, and separately publishes Fiduciary Liability Insurance Loss Control Services materials within the ForeFront Portfolio. 4,5Company-reported. Coverage Highlights Benefits section; ForeFront Portfolio hub page lists a separate Loss Control Services resource. | Not described in the reviewed sources. |
| How to Apply | Fiduciary Liability coverage is placed as part of the ForeFront Portfolio, which agents and brokers can quote and issue through Chubb Marketplace. 5Company-reported. ForeFront Portfolio hub page quoting section. | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. 9Company-reported. Executive Risks product page as read on 2026-09-23. |
Full Comparison
More Chubb vs Coalition Comparisons
Other Fiduciary Liability Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- ForeFront Portfolio 3.0: Fiduciary Liability Insurance in the U.S. Chubb; Coverage Highlights: Benefits (private-company underwriters, loss prevention resources) and Coverage responds-to-allegations list. Accessed 2026-09-23.
- The ForeFront Portfolio. Chubb; Available Coverages: Fiduciary Liability Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting. 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: 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.
- 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.
Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
