Coalition vs Embroker: How Do They Compare for D&O Insurance?

Embroker sells standalone D&O with online quoting and publishes startup limit examples by funding stage; Coalition distributes Executive Risks through appointed brokers, with up to $10 million per line potentially available.

Embroker lets you quote D&O online and publishes limits by funding stage, from $1–2 million for companies raising up to $10 million. Coalition sells only through brokers, to private and nonprofit organizations, with limits up to $10 million and HR and board support services included. ^3,¹

What Are the Key Differences Between Coalition and Embroker D&O Insurance?

Online Startup Quote vs Broker-Sold Suite

Embroker aims at startups that have or are about to raise venture money, and at any private or public company with a board; it quotes on revenue, industry risk and claims history, and will package D&O with cyber and workers' compensation. Coalition's D&O is one of four Executive Risks coverages, open to private and nonprofit US organizations with up to 1,000 employees and $500 million in assets, and comes with a risk assessment, an HR and director hotline, employee training and a handbook builder. Choose Embroker if you're a venture-backed startup or a public company that wants to quote yourself; choose Coalition if you're a private or nonprofit organization that works through a broker and wants HR support bundled in. ³ ¹

How Much Limit to Expect

Embroker's startup-package ranges scale with your raise: at $100–250 million raised, it shows $8–10 million of combined D&O, EPLI and fiduciary limit with a $25–75k retention. Coalition caps each Executive Risks line at $10 million, so a company at the top of Embroker's range lands near Coalition's ceiling. ³ ¹

What Should You Confirm in Coalition and Embroker D&O Insurance Quotes?

Ask Embroker whether the quote is standalone D&O or a management-liability bundle, and whether D&O shares its limit with EPLI and fiduciary. ³
Check your headcount and assets against Coalition's 1,000-employee and $500 million limits. ¹
Ask whether your Coalition policy is issued by Zurich American Insurance Company or by another insurer on a non-admitted basis. ²
Ask Embroker how its insured-versus-insured and prior-knowledge exclusions apply to disputes with co-founders or investors. ³

Coalition vs Embroker D&O Insurance Compared

Coalition vs Embroker: D&O Insurance: documented features by provider

Criteria	Coalition Executive Risks — Directors and Officers Liability (D&O)	Embroker Directors and Officers Insurance
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. ¹Company-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. ³Company-reported. Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting.
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. ¹Company-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. ³Company-reported. Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company.
How to Apply	Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. ¹Company-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. ³Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.
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. 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.	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. ³Company-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. ³Company-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. ³Company-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.
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. ¹Company-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. ³Company-reported. Product-page description; not a statement about the issuing insurer.