--- title: "Coalition vs Counterpart: Fiduciary Liability Insurance" description: "Coalition states asset and employee thresholds and fiduciary limits up to $10 million; Counterpart describes plan exposures with illustrative limits." canonical: "https://spot.insure/compare/coalition-vs-counterpart/fiduciary" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "coalition-vs-counterpart" provider-a: "coalition" provider-b: "counterpart" coverage-line: "fiduciary" --- 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/fiduciary) ## Agent Guide **What this page is:** Focused comparison of Coalition and Counterpart for Fiduciary Liability 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 Fiduciary Liability 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 Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, Coalition or Counterpart? - What does Coalition or Counterpart publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from Coalition or Counterpart? **Key facts:** - Line: Fiduciary Liability 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 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Coalition vs Counterpart](https://spot.insure/compare/coalition-vs-counterpart) — parent: all coverage lines for this pair - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — 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 Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-counterpart/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-coalition/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-coalition/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-counterpart/fiduciary) — sibling comparison (other line, or other pair for this line) # Coalition vs Counterpart: How Do They Compare for Fiduciary Liability Insurance? Coalition states asset and employee thresholds and fiduciary limits up to $10 million; Counterpart describes plan exposures with illustrative limits. ## Research Scope and Use Use this comparison to evaluate Coalition and Counterpart 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 gives Executive Risks eligibility ceilings of $500 million in assets and 1,000 employees, with limits up to $10 million per line. Counterpart’s fiduciary figures are illustrative. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://yourcounterpart.com/products/fid "Fiduciary Liability 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 Fiduciary Liability Insurance? Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [11](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") [12](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [13](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## Key Differences in Fiduciary Liability Insurance ### Size Thresholds Coalition says its Executive Risks fiduciary coverage is available to private and nonprofit U.S. organizations up to $500 million in company assets, 1,000 employees, and $500 million in plan assets. Counterpart’s dedicated page describes employer and benefit-plan contexts without those thresholds in the reviewed claims. If your organization is near a ceiling, confirm eligibility with both before comparing terms. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") ### Limit and Carrier Coalition says limits up to $10 million per coverage line may be available, subject to limitations. Counterpart includes fiduciary limit examples but marks them illustrative. Ask each provider for the offered limit, retention, and whether fiduciary shares an aggregate with D&O or EPLI; Coalition also says its issuing carrier varies by placement route. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") ## What to Confirm in Fiduciary Liability Insurance Quotes - Ask Coalition to confirm company and plan-asset eligibility, available limit, and the carrier for your placement. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") - Ask Counterpart for the actual fiduciary limit, retention, and whether it shares an aggregate with other lines. [9](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") ## Offering Details | Criteria | Coalition Executive Risks — Fiduciary Liability | Counterpart 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. [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 a producer and surplus-lines broker distributing insurance through wholesale brokers. [7](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [10](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: This describes Counterpart’s channel and does not identify the issuing insurer for a fiduciary placement..) | | 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. [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 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. [5](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..) | Counterpart describes employer and benefit-plan contexts on its dedicated Fiduciary Liability page. [9](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: This is product marketing, not proof a given plan, sponsor or fiduciary is eligible..) | | Coverage Features | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. [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..) | Counterpart’s fiduciary page addresses benefit-plan administration and ERISA-related exposures. [9](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: The retained product description does not establish the full insured-party definition, ERISA terms or exclusions..) | | 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. [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..) | The page includes illustrative limit examples for fiduciary coverage. [9](https://yourcounterpart.com/products/fid "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Figures are examples and are not a quote or guaranteed available limit..) | | How to Apply | Coalition distributes Executive Risks, including fiduciary liability, 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. | ## Full Comparison - [Coalition vs Counterpart](https://spot.insure/compare/coalition-vs-counterpart): all coverage lines, business roles, service and claims. - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included. - [Coalition vs Counterpart Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-counterpart/employment-practices) - [AIG vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-coalition/fiduciary) - [AIG vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/fiduciary) - [Alliance Risk vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/fiduciary) - [Alliance Risk vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/fiduciary) - [Aon vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-coalition/fiduciary) - [Aon vs Counterpart Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-counterpart/fiduciary) ## Sources ### 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: 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. 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. ### 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. [Fiduciary Liability Insurance](https://yourcounterpart.com/products/fid). Counterpart, Inc.; Retained provider source: product page covers plan/employer eligibility, ERISA and plan administration, with examples and illustrative limits; prior access 2026-09-28. Direct reopen timed out in this session.. Accessed 2026-09-28. 10. [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. ### Fiduciary Liability Insurance Guide 11. [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. 12. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. 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 2026-09-30. 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 Reviews 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 Reviews 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/fiduciary.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)