Coalition vs Embroker Fiduciary Liability Insurance

Coalition designs and distributes fiduciary liability 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 fiduciary liability as a standalone policy and says it is most commonly bundled with directors and officers and employment practices liability coverage. 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 fiduciary 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 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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23; the plan-assets cap is directly relevant to fiduciary eligibility.

Embroker targets companies that provide medical, dental, vision or other benefits, or that offer retirement plans or stock options, and says very small businesses without benefit plans generally don't need the coverage. ⁹Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business.

Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. 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 errors and omissions in administering benefit plans and imprudent selection of investments or third-party service providers, and says most newly created or acquired plans get automatic coverage. ⁹Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes criminal activity such as embezzlement, outside advisors or administrators hired to manage the benefit plans, and failure to fund a plan in accordance with ERISA. ⁹Company-reported. Product-page What's not included section.

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

Embroker says fiduciary liability premiums typically range from $500 to $2,500 per year and that policies can cover as much as $20 million, driven mainly by total plan assets under management, the policy limit and the quality of service providers. ⁹Company-reported. Product-page 'What does Fiduciary Liability cost?' section; actual pricing and limits depend on underwriting.

Not described in the reviewed sources.

The reviewed fiduciary liability page does not describe dedicated risk-control or plan-administration review services beyond general references to the Embroker Resource Hub and chat support. ⁹Not found in reviewed sources. Product page as read on 2026-09-23.

Coalition distributes Executive Risks, including fiduciary liability, 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 fiduciary liability through its digital platform. ⁹Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.