Coalition vs Corgi D&O Insurance

Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.

Corgi sells D&O as a standalone startup policy and also bundles it into its stage-based packages starting at pre-seed and seed, describing it as protection for directors and officers against personal financial liability for management decisions. ¹¹Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself.

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. ⁵Company-reported. U.S. Disclaimers page as read on 2026-09-23.

Corgi's D&O product page states directly that the policy is a claims-made policy underwritten by Technology Risk Retention Group, Inc., a risk retention group. ¹¹Company-reported. Policy Boundaries section of the D&O product page; this is a line-specific underwriter statement, distinct from Corgi's general multi-entity disclaimer.

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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23.

Not described in the reviewed sources.

Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. ⁴Company-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.

The policy has three coverage parts: Side A pays individual directors and officers directly when the company cannot indemnify them and carries no retention; Side B reimburses the company when it does indemnify directors and officers; Side C covers the company entity itself, subject to additional exclusions including intellectual-property claims and contractual liability. ¹¹Company-reported. Coverage summary for form CORG-DO-0100; the issued policy and declarations control.

The standard policy excludes claims from registered public securities offerings, but a carve-back preserves coverage for exempt transactions such as Regulation D private placements, which Corgi says covers how most startups raise capital. ¹¹Company-reported. Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt.

Corgi covers individual directors and officers (Sides A and B) who receive a Wells Notice, subpoena or target letter from a regulator, but the standard policy excludes entity-level regulatory investigations of the company itself. ¹¹Company-reported. Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered.

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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.

Corgi's illustrative D&O structure shows limits up to $1 million per claim and $2 million in the aggregate, with a $25,000 self-insured retention per claim (no retention on Side A) and defense costs included within the limit. ¹¹Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

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. ⁴Company-reported. Executive Risks page and FAQ as read on 2026-09-23.

Corgi offers three optional D&O endorsements: Outside Directorship (extends coverage to directors and officers serving on outside boards at the company's request), Crisis Event Expense (covers PR and crisis-communications costs after negative publicity), and Investigative Costs (broader coverage for regulatory inquiries short of a formal claim). ¹¹Company-reported. Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply.

Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.

You can request a D&O quote online through Corgi's self-serve application. ¹¹Company-reported. Product page quote call to action.