Coalition vs Embroker D&O Insurance

Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.

Embroker sells D&O as a standalone policy and offers to package it with cyber and workers' compensation; it also says EPLI, D&O and related coverages are sometimes bundled into a management liability program. ⁹Company-reported. Product-page description; not a statement about the 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. ⁵Company-reported. U.S. Disclaimers page as read on 2026-09-23.

Not described in the reviewed sources.

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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23.

Embroker markets D&O to any private or public company with a board of directors, startups that have received or are about to receive venture capital funding, and nonprofit corporations, saying VC and private equity investors commonly require it before funding. ⁹Company-reported. Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company.

Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. ⁴Company-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.

Embroker lists coverage for misuse of company funds, misrepresentation of company assets, breach of fiduciary duty, failure to comply with workplace laws and lack of corporate governance. ⁹Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes lawsuits between members of the same company, criminal or deliberately fraudulent activity, prior-knowledge claims, and claims against directors actively engaged in antitrust violations. ⁹Company-reported. Product-page What's not included section.

Embroker structures its D&O policy with three insuring agreements: Side A covers individual directors and officers when the company cannot indemnify them, Side B reimburses the company for indemnifying its leaders, and Side C covers the company itself when it is sued for financial mismanagement. ⁹Company-reported. Product-page 'What are Side A, B, and C insuring agreements?' section; specific policy structure, not a claim about every insurer's D&O form.

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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.

For its startup package, Embroker publishes illustrative D&O/EPLI/fiduciary limit and retention ranges by funding stage, from roughly $1-2 million in limits with a $10-25k retention for companies raising up to $10 million, up to $8-10 million in limits with a $25-75k retention for companies raising $100-250 million. ⁹Company-reported. Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting.

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. ⁴Company-reported. Executive Risks page and FAQ as read on 2026-09-23.

Not described in the reviewed sources.

Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.

Embroker offers an online quote for D&O coverage through its digital platform, describing underwriting factors including revenue, industry risk and claims history. ⁹Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.