Coalition vs Corgi: How Do They Compare for Fiduciary Liability Insurance?

Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only; Corgi offers fiduciary coverage only in its Growth Stage and Custom startup packages.

Coalition’s Executive Risks fiduciary is available to U.S. private and nonprofit organizations within its asset and employee caps; Corgi offers fiduciary only in Growth Stage and Custom packages and excludes settlor acts and government investigations. ^1,³

What Are the Key Differences Between Coalition and Corgi Fiduciary Liability Insurance?

Size Caps Versus Package Tier

Coalition limits Executive Risks fiduciary to U.S. private and nonprofit organizations with up to $500 million in assets, 1,000 employees and $500 million in plan assets. Corgi offers the line only in Growth Stage and Custom packages, excluding Pre-Seed & Seed and Series A companies. ¹ ⁴

What the Standard Form Pays For

Coalition describes fiduciary liability as coverage for claims of mismanagement of employee benefits and pension plans. Corgi’s standard CORG-FL-0100 form is claims-made and covers ERISA breach-of-fiduciary-duty claims such as excessive-fee litigation, plan administration errors and late deposit of employee contributions, but excludes settlor acts, ESOPs and multi-employer plans. ¹ ³

Investigations as Claims

Coalition’s reviewed Executive Risks pages do not say whether regulator investigations are covered claims. Corgi says DOL investigations, IRS audits and HHS inquiries are not covered “Claims” under the standard policy; only a resulting participant lawsuit is, and investigation costs themselves are not covered. ¹ ³

Limits and How You Buy

Coalition says limits up to $10 million per coverage line may be available, distributed only through appointed brokers, with Zurich American Insurance Company as the admitted Executive Risks carrier or unaffiliated non-admitted insurers. Corgi shows illustrative limits of up to $1 million per claim and $2 million aggregate, defense inside the limit, a $25,000 retention, and an online “Get a Fiduciary quote” flow. ¹ ² ³

What Should You Confirm in Coalition and Corgi Fiduciary Liability Insurance Quotes?

Ask whether you sit inside Coalition’s asset, employee and plan-asset caps, versus Corgi’s Growth Stage or Custom package. ¹ ⁴
Confirm settlor-act, ESOP and investigation wording on both specimens. ³ ¹
Compare Coalition’s $10 million per-line figure with Corgi’s illustrative $1 million / $2 million limits. ¹ ³
Get the issuing insurer: Coalition’s admitted versus non-admitted path, and Corgi’s carrier as shown in policy documents. ² ⁵

Coalition vs Corgi Fiduciary Liability Insurance Compared

Coalition vs Corgi: Fiduciary Liability Insurance: documented features by provider

Criteria	Coalition Executive Risks — Fiduciary Liability	Corgi Fiduciary Liability
Limits and Retentions	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. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.	Corgi shows illustrative fiduciary limits of up to $1 million per claim and $2 million aggregate, with defense costs inside the limit and a $25,000 per-claim self-insured retention. ³Company-reported. Fiduciary coverage table, described as illustrative.
How to Apply	Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	You request a Fiduciary quote through Corgi's online "Get a Fiduciary quote" flow, the same self-serve path Corgi uses for its other startup lines. ³Company-reported. Fiduciary product page call to action.
Coverage Features	Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. 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 standard policy (CORG-FL-0100) is claims-made and covers ERISA breach-of-fiduciary-duty claims such as excessive-fee litigation, plan administration errors and late deposit of employee contributions, but excludes settlor acts (plan design, amendment or termination decisions), ESOPs and multi-employer plans from the standard form. ³Company-reported. Fiduciary coverage table and scenario/policy notes; illustrative summary, not policy wording. Corgi says DOL investigations, IRS audits and HHS inquiries are not covered "Claims" under the standard fiduciary policy; only a resulting participant lawsuit is a covered claim, and investigation costs themselves are not covered. ³Company-reported. Fiduciary scenario note 3.
Role in This Line	Coalition designs and distributes fiduciary liability 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 Fiduciary Liability as part of its Growth Stage and Custom startup packages; it is not included in the Pre-Seed & Seed or Series A package tiers, unlike CGL, D&O, Tech E&O and Cyber. ⁴Company-reported. Homepage package contents as read on 2026-09-23.
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 fiduciary policy depends on the placement route. ²Company-reported. U.S. Disclaimers page as read on 2026-09-23.	Corgi's fiduciary product page does not name the issuing insurer. Corgi's disclaimers page says coverage on the platform is underwritten by carrier affiliates or third-party partners depending on the product, jurisdiction and risk, and that the specific carrier appears in the issued policy documents. ^3,⁵Company-reported. Fiduciary product page and general Corgi underwriting disclosure; not specific confirmation of which entity underwrites fiduciary policies.