--- title: "Coalition vs Counterpart: D&O Insurance" description: "Coalition says Executive Risks may offer up to $10 million per D&O line to eligible private and nonprofit organizations; Counterpart publishes separate private-company and nonprofit D&O pages." canonical: "https://spot.insure/compare/coalition-vs-counterpart/directors-officers" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "coalition-vs-counterpart" provider-a: "coalition" provider-b: "counterpart" 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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-counterpart/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Coalition and Counterpart 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 Counterpart. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Coalition vs Counterpart for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Coalition or Counterpart? - What does Coalition or Counterpart publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from Coalition or Counterpart? **Key facts:** - Line: D&O Insurance. Providers: Coalition and Counterpart. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Coalition vs Counterpart](https://spot.insure/compare/coalition-vs-counterpart) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile (evidence) - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [Coalition vs Counterpart Crime Insurance](https://spot.insure/compare/coalition-vs-counterpart/crime) — sibling comparison (other line, or other pair for this line) - [Coalition vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [Coalition vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/coalition-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line) - [Coalition vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Coalition D&O Insurance](https://spot.insure/compare/aig-vs-coalition/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Coalition D&O Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Coalition D&O Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers) — sibling comparison (other line, or other pair for this line) # Coalition vs Counterpart: How Do They Compare for D&O Insurance? Coalition says Executive Risks may offer up to $10 million per D&O line to eligible private and nonprofit organizations; Counterpart publishes separate private-company and nonprofit D&O pages. ## How to Use the Coalition vs Counterpart D&O Insurance Comparison Use this comparison to evaluate Coalition and Counterpart for D&O 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. ## Coalition vs Counterpart D&O Insurance Summary Coalition describes potential per-line limits up to $10 million and size-based eligibility for private and nonprofit organizations; Counterpart has separate pages for those D&O segments. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [10](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") ## What Is Coalition Insurance? Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. [1](https://www.coalitioninc.com/control "Coalition Control") [2](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [3](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [Coalition profile](https://spot.insure/insurance-providers/coalition) ## What Is Counterpart Insurance? Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [7](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [8](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## What Is Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [12](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [13](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [14](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between Coalition and Counterpart D&O Insurance? ### Per-Line Limit Information Coalition says up to $10 million per Executive Risks coverage line, including D&O, may be available subject to exclusions and limitations. Counterpart's private-company page describes management-claim protection and illustrative limit examples, not a commitment for a particular amount. That gives buyers a stated Coalition ceiling to discuss alongside Counterpart's product-page illustrations; neither determines the proposed schedule. Ask for each quote's D&O limit, retention, and any shared aggregate. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") ### Conditional Limit and Organization Segment Coalition says Executive Risks is available to private and nonprofit U.S. organizations within stated asset, employee, and plan-asset thresholds. Counterpart organizes its marketed D&O offering into private-company and nonprofit pages, with eligibility determined by risk and insurer review. Both records frame the buyer by organization type, while Coalition also states size thresholds. A company should check its legal form, employee count, and assets against the applicable underwriting criteria. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [10](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") ## What Should You Confirm in Coalition and Counterpart D&O Insurance Quotes? - Does your organization meet Coalition's stated size criteria, and what D&O line limit and exclusions would underwriting offer? [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") - Which Counterpart segment fits the organization, and what illustrated limits and retention can the proposed insurer confirm? [9](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [10](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") ## Coalition vs Counterpart D&O Insurance Compared | Criteria | Coalition Executive Risks — Directors and Officers Liability (D&O) | Private Company and Nonprofit Directors & Officers Liability | | --- | --- | --- | | 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. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | Counterpart describes itself as distributing insurance through its producer and surplus-lines broker and says businesses access the program through a wholesale broker. [7](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [11](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited pages do not map a particular insurer to a D&O quote or state..) | | 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. [6](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23..) | Confirm in your quote. | | Who It’s For | 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. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23..) | Counterpart publishes a private-company D&O product page and a separate D&O page for not-for-profit organizations. [9](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") [10](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: Separate product pages show different marketed segments; eligibility depends on the proposed risk and insurer review..) | | 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. [5](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 private-company D&O page describes protection for management-liability claims and includes illustrative coverage and limit examples. [9](https://yourcounterpart.com/products/do "Private Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: Illustrations and summaries are not policy terms or an available limit commitment..)

Counterpart separately markets D&O for not-for-profit organizations. [10](https://yourcounterpart.com/products/not-for-profit-do "Not-for-Profit Directors & Officers Insurance") (Evidence: Company-reported; scope: The retained page summary does not establish a particular nonprofit’s eligibility or the terms of its policy..) | | 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. [5](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..) | Confirm in your quote. | | 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. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks page and FAQ as read on 2026-09-23..) | Confirm in your quote. | | How to Apply | Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | Confirm in your quote. | ## Related Pages for Coalition vs Counterpart D&O Insurance - [Coalition vs Counterpart](https://spot.insure/compare/coalition-vs-counterpart): 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 vs Counterpart Crime Insurance](https://spot.insure/compare/coalition-vs-counterpart/crime) - [Coalition vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-counterpart/employment-practices) - [Coalition vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/coalition-vs-counterpart/fiduciary) - [Coalition vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-counterpart/professional-errors-omissions) - [AIG vs Coalition D&O Insurance](https://spot.insure/compare/aig-vs-coalition/directors-officers) - [AIG vs Counterpart D&O Insurance](https://spot.insure/compare/aig-vs-counterpart/directors-officers) - [Alliance Risk vs Coalition D&O Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/directors-officers) - [Alliance Risk vs Counterpart D&O Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/directors-officers) - [Amelia Risk vs Coalition D&O Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/directors-officers) - [Amelia Risk vs Counterpart D&O Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/directors-officers) ## Sources for Coalition vs Counterpart D&O Insurance ### Sources About Coalition 1. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16. 2. [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. 3. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16. 4. [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. 5. [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. 6. [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 Counterpart 7. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29. 8. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29. 9. [Private Directors & Officers Liability Insurance](https://yourcounterpart.com/products/do). Counterpart, Inc.; Retained provider source: product page sections on covered organizations, coverage, example limits/retentions and capacity; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28. 10. [Not-for-Profit Directors & Officers Insurance](https://yourcounterpart.com/products/not-for-profit-do). Counterpart, Inc.; Retained provider source: product page sections on nonprofit eligibility, coverage and underwriting partners; prior access 2026-09-28. Direct reopen failed in this session.. Accessed 2026-09-28. 11. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28. ### Sources for the D&O Insurance Guide 12. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 13. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 14. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16. Updated 2026-10-01. 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. ## Coalition Review Scores for 2026 Review Score: 10.0 / 10 from 1 rated source, equally weighted. Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers. - BBB: BBB business grade A+. Coalition (BBB profile, San Francisco, CA); business grade, separate from customer-review stars. Checked 2026-09-29. [Coalition - BBB profile (San Francisco)](https://www.bbb.org/us/ca/san-francisco/profile/cyber-security/coalition-1116-956032); [Search: "Coalition" site:bbb.org insurance reviews ratings](https://www.google.com/search?q=%22Coalition%22+site%3Abbb.org+reviews+OR+complaints) - RaveCapture: Broker review rating 5 (out of 5); 188 reviews. Verified broker and policyholder reviews of Coalition, collected through a third-party review-collection service. Checked 2026-09-29. [Coalition, Inc.: Broker Reviews](https://app.ravecapture.com/store/Coalition-inc-broker-reviews) - BizInsuranceCompare: Editorial score 7.7 (out of 10). Independent small-business insurance comparison site editorial score; publisher-defined methodology. Checked 2026-09-29. [Coalition review: small business insurance](https://www.bizinsurancecompare.com/carriers/coalition) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/coalition/reviews). ## Counterpart Review Scores for 2026 Review Score: not enough ratings. We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/coalition-vs-counterpart/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)