---
title: "Coalition vs Corgi Fiduciary Liability Insurance"
description: "Coalition’s Executive Risks fiduciary has $10 million limits via brokers; Corgi’s startup form excludes settlor acts and government investigations."
canonical: "https://spot.insure/compare/coalition-vs-corgi/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Coalition vs Corgi Fiduciary Liability Insurance

Coalition’s Executive Risks fiduciary has $10 million limits via brokers; Corgi’s startup form excludes settlor acts and government investigations.

## Research Scope and Use

Use this comparison to evaluate Coalition and Corgi for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Coalition distributes fiduciary liability in Executive Risks for private and not-for-profit U.S. organizations within stated size caps, with limits up to $10 million. Corgi sells fiduciary only in Growth Stage and Custom packages, on a claims-made form that excludes settlor acts and does not treat DOL, IRS or HHS inquiries as covered claims. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

## What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [2](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [3](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. [6](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [7](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [8](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [9](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [10](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Fiduciary Liability Insurance?

Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [12](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [13](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Size Caps Versus Package Tier

Coalition says Executive Risks fiduciary is 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, 1,000 employees and $500 million in plan assets. Corgi sells Fiduciary Liability only in Growth Stage and Custom packages, not in Pre-Seed & Seed or Series A. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [7](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

### 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

### 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

### 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")

## What to Confirm in 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [7](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")
- Confirm settlor-act, ESOP and investigation wording on both specimens. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Compare Coalition’s $10 million per-line figure with Corgi’s illustrative $1 million / $2 million limits. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Get the issuing insurer: Coalition’s admitted versus non-admitted path, and Corgi’s carrier as shown in policy documents. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [6](https://www.corgi.insure/disclaimers "Disclaimers & Licensing")

## Offering Details

| Criteria | Coalition Executive Risks — Fiduciary Liability | Corgi Fiduciary Liability |
| --- | --- | --- |
| 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. [4](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 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. [7](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [5](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 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. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [6](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Fiduciary product page and general Corgi underwriting disclosure; not specific confirmation of which entity underwrites fiduciary policies..) |
| Who It’s For | 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23; the plan-assets cap is directly relevant to fiduciary eligibility..) | Not described in the reviewed sources. |
| Coverage Features | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. [4](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 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. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary coverage table and scenario/policy notes; illustrative summary, not policy wording..)<br><br>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. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary scenario note 3..) |
| 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. [4](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 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. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary coverage table, described as illustrative..) |
| Risk Services | Not described in the reviewed sources. | The reviewed fiduciary page does not describe plan-compliance reviews or fiduciary-training services for policyholders beyond the optional HIPAA, ERISA civil-penalty and voluntary-compliance endorsements. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Not found in reviewed sources; scope: Fiduciary product page as read on 2026-09-23..) |
| How to Apply | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [11](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary product page call to action..) |

## Full Comparison

- [Coalition vs Corgi](https://spot.insure/compare/coalition-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability insurance can help with covered claims alleging that your business or its people breached duties in managing an employee benefit plan.
- [Coalition vs Corgi Crime Insurance](https://spot.insure/compare/coalition-vs-corgi/crime)
- [Coalition vs Corgi Cyber Insurance](https://spot.insure/compare/coalition-vs-corgi/cyber)
- [Coalition vs Corgi D&O Insurance](https://spot.insure/compare/coalition-vs-corgi/directors-officers)
- [Coalition vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-corgi/employment-practices)
- [Coalition vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-corgi/professional-errors-omissions)
- [Coalition vs Corgi Tech E&O Insurance](https://spot.insure/compare/coalition-vs-corgi/technology-errors-omissions)
- [Alliance Risk vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/fiduciary)
- [Alliance Risk vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary)
- [Beazley vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-coalition/fiduciary)
- [Beazley vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/fiduciary)
- [Chubb vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-coalition/fiduciary)
- [Chubb vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/fiduciary)

## Sources

### Coalition

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
2. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
3. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
4. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering: Fiduciary Liability — provides coverage for claims of mismanagement of employee benefits and pension plans; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders?. Accessed 2026-09-23.
5. [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.

### Corgi

6. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance; About Corgi; How Insurance Is Provided Through Corgi (Underwriting); Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
7. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup's Journey: Fiduciary Liability listed only in the Growth Stage and Custom Package tiers. Accessed 2026-09-23.
8. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
9. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
10. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
11. [Fiduciary Liability Insurance for Startups](https://www.corgi.insure/fiduciary-liability). Corgi Insurance; What's Actually Inside Your Fiduciary Policy (form CORG-FL-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

12. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
13. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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