Coalition vs Corgi: How Do They Compare for D&O Insurance?

Corgi sells startup D&O online with example limits up to $1 million per claim and $2 million total; Coalition distributes Executive Risks through appointed brokers, with up to $10 million per line potentially available.

Corgi sells startup D&O online, with illustrative limits of $1 million per claim and $2 million aggregate; Coalition sells D&O only through brokers, with limits up to $10 million. ^3,¹

What Are the Key Differences Between Coalition and Corgi D&O Insurance?

Self-Serve Startup Policy vs Up to $10 Million Through a Broker

Corgi publishes its whole structure: $1 million per claim, $2 million aggregate, a $25,000 retention (none on Side A), and defense costs inside the limit, which means legal bills shrink what's left for a settlement. Coalition quotes only through appointed brokers but offers up to $10 million to U.S. private and nonprofit organizations with up to $500 million in assets and 1,000 employees. Choose Corgi if you're a pre-seed to seed startup that needs D&O online for a Regulation D raise; choose Coalition if you need more than $2 million or you're a nonprofit. ³ ¹

Fundraising and Regulator Coverage vs HR Support

Corgi's form keeps coverage for exempt private placements such as Regulation D, covers individual executives who get a Wells Notice or subpoena, and sells add-ons for outside board seats, crisis PR and regulatory inquiries. Its standard form excludes regulatory investigations of the company itself. Coalition's reviewed pages give no D&O wording at this detail; they emphasize a risk assessment, a hotline for HR and board issues, training and a handbook builder. ³ ¹

What Should You Confirm in Coalition and Corgi D&O Insurance Quotes?

Ask Corgi whether the Investigative Costs add-on covers an inquiry into the company itself, which the base form excludes. ³
Corgi's policy is written by Technology Risk Retention Group, a risk retention group; ask how that affects state guaranty-fund protection where you're based. ³
Ask whether a Coalition quote is written by Zurich American on an admitted basis or by another insurer. ²
Ask Coalition whether defense costs sit inside or outside the limit, to compare fairly with Corgi. ¹

Coalition vs Corgi D&O Insurance Compared

Coalition vs Corgi: D&O Insurance: documented features by provider

Criteria	Coalition Executive Risks — Directors and Officers Liability (D&O)	Corgi Directors & Officers (D&O)
Limits and Retentions	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. ¹Company-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. ³Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.
How to Apply	Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. ¹Company-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. ³Company-reported. Product page quote call to action.
Coverage Features	Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. ¹Company-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. ³Company-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. ³Company-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. ³Company-reported. Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered.
Role in This Line	Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ¹Company-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. ³Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself.
Issuing Insurer	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. ²Company-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. ³Company-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.
Risk Services	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. ¹Company-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). ³Company-reported. Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply.