Chubb vs 
Coalition: How Do They Compare for Fiduciary Liability Insurance?
Chubb directly underwrites fiduciary coverage for private companies and lists benefit-decision allegations among covered claims; Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only
Coalition offers fiduciary through appointed brokers with limits up to $10 million per line and eligibility caps of $500 million in assets, 1,000 employees and $500 million in plan assets; Chubb puts it in ForeFront Portfolio 3.0 for private companies. 1,3
What Are the Key Differences Between Chubb and Coalition Fiduciary Liability Insurance?
Portfolio Product Versus Executive Risks Suite
Chubb includes fiduciary within ForeFront Portfolio 3.0 for privately owned companies, their fiduciaries and benefit plans. Coalition sells fiduciary as one of four Executive Risks coverages through appointed brokers, with eligibility caps that can screen out larger organizations. 1 2 3
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. 1 3
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. 1 3
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. 1 3 4
What Should You Confirm in Chubb and Coalition 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. 3 1
- Get Coalition’s admitted versus non-admitted issuing insurer, and the Chubb entity on ForeFront. 4 2
- Compare Coalition’s $10 million per-line figure with the limit on a Chubb Marketplace quote. 3 2
- Confirm whether Chubb’s plan-as-insured wording and Coalition’s mismanagement description both appear on the specimens. 1 3
Chubb vs Coalition Fiduciary Liability Insurance Compared
Chubb vs Coalition: Fiduciary Liability Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio 3.0 Fiduciary Liability Insurance | Coalition Executive Risks — Fiduciary Liability |
|---|---|---|
| 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. 1Company-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. 3Company-reported. Executive Risks FAQ as read on 2026-09-23; the plan-assets cap is directly relevant to fiduciary eligibility. |
| 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. 2Company-reported. ForeFront Portfolio hub page quoting section. | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. 3Company-reported. Executive Risks product page as read on 2026-09-23. |
| 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. 1Company-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. 1Company-reported. Coverage Highlights list. | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. 3Company-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 | 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. 1Company-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. 3Company-reported. Executive Risks product page as read on 2026-09-23. |
