---
title: "Coalition vs Corgi: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-corgi/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-corgi"
provider-a: "coalition"
provider-b: "corgi"
coverage-line: "directors-officers"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/coalition-vs-corgi/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Coalition and Corgi for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Coalition versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Coalition vs Corgi for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Coalition or Corgi?
- What does Coalition or Corgi publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Coalition and Corgi.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Coalition vs Corgi](https://spot.insure/compare/coalition-vs-corgi) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

# 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 lets early-stage startups buy D&O online with published $1 million/$2 million limits; Coalition sells through brokers with up to $10 million for private companies and nonprofits under 1,000 employees.

## Coalition vs Corgi D&O Insurance Summary

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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Ask whether a Coalition quote is written by Zurich American on an admitted basis or by another insurer. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Ask Coalition whether defense costs sit inside or outside the limit, to compare fairly with Corgi. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Coalition vs Corgi D&O Insurance Compared

| 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | You can request a D&O quote online through Corgi's self-serve application. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-DO-0100; the issued policy and declarations control..)<br><br>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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt..)<br><br>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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: 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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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). [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply..) |

## About Coalition and Corgi and D&O Insurance

- [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews)
- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Coalition vs Corgi D&O Insurance

- [Coalition vs Corgi](https://spot.insure/compare/coalition-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Coalition D&O Insurance](https://spot.insure/insurance-providers/coalition/directors-officers)
- [Corgi D&O Insurance](https://spot.insure/insurance-providers/corgi/directors-officers)

## Sources for Coalition vs Corgi D&O Insurance

### Sources About Coalition

1. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). 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.
2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). 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.

### Sources About Corgi

3. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). Corgi Insurance; What's Actually Inside Your D&O Policy (form CORG-DO-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/coalition-vs-corgi/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)