Coalition vs Embroker: How Do They Compare for Fiduciary Liability Insurance?

Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only; Embroker provides online fiduciary applications and publishes policy limits and exclusions.

Embroker advertises fiduciary limits up to $20 million; Coalition caps each Executive Risks line at $10 million for eligible organizations. ^1,³

What Are the Key Differences Between Coalition and Embroker Fiduciary Liability Insurance?

Digital Quote or Broker-Only Route

Coalition sells Executive Risks fiduciary only through appointed insurance brokers. Embroker offers an online quote, either standalone or commonly bundled with D&O and employment-practices liability, so compare how you want to shop as well as the limits. ¹ ³

Advertised Capacity

Coalition says limits up to $10 million per coverage line may be available, subject to exclusions and limitations. Embroker says policies can cover as much as $20 million, with typical premiums from $500 to $2,500 per year driven mainly by plan assets, the limit and service-provider quality. ¹ ³

Who Should Buy

Coalition’s eligibility is private and not-for-profit U.S. organizations up to 1,000 employees and $500 million in assets and plan assets. Embroker targets companies that provide medical, dental, vision or other benefits, or retirement plans or stock options, and says very small businesses without benefit plans generally don’t need the coverage. ¹ ³

Exclusions Embroker Publishes

Coalition describes coverage for mismanagement of employee benefits and pension plans without a public exclusion list on the reviewed Executive Risks pages. Embroker says the policy excludes criminal activity such as embezzlement, outside advisors or administrators hired to manage the plans, and failure to fund a plan in accordance with ERISA, while most newly created or acquired plans get automatic coverage. ¹ ³

What Should You Confirm in Coalition and Embroker Fiduciary Liability Insurance Quotes?

Confirm whether you buy through a Coalition appointed broker or Embroker’s online quote. ¹ ³
Compare Coalition’s $10 million per-line figure with Embroker’s $20 million ceiling and quoted premium. ¹ ³
Check Embroker’s funding and outside-advisor exclusions against Coalition’s specimen. ³ ¹
Get Coalition’s issuing path (Zurich admitted versus non-admitted). ²

Coalition vs Embroker Fiduciary Liability Insurance Compared

Coalition vs Embroker: Fiduciary Liability Insurance: documented features by provider

Criteria	Coalition Executive Risks — Fiduciary Liability	Embroker Fiduciary Liability Insurance
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. ¹Company-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. ³Company-reported. Product-page 'What does Fiduciary Liability cost?' section; actual pricing and limits depend on underwriting.
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. ¹Company-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. ³Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business.
How to Apply	Coalition distributes Executive Risks, including fiduciary liability, 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 fiduciary liability through its digital platform. ³Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.
Coverage Features	Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. 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 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. ³Company-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. ³Company-reported. Product-page What's not included section.
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. ¹Company-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. ³Company-reported. Product-page description; not a statement about the issuing insurer.