Coalition vs 
Gallagher D&O Insurance
Coalition’s Executive Risks D&O is a $10 million private/NFP program; Gallagher places D&O for SPACs, IPOs and de-SPACs with in-house claims attorneys.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 1,2,3,4
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 6,7,8,9,10
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 11
Key Differences in D&O Insurance
Program Manufacturer Versus Executive-Risk Broker
Coalition designs D&O as one of four Executive Risks coverages, sold only through appointed brokers, with Zurich American as the admitted carrier and unaffiliated insurers on some placements. 4 5 Gallagher’s Executive and Financial Risk practice places D&O and advises on program design; it does not underwrite, and the reviewed page says it weighs carrier qualifications without naming the issuer for a given client. 8 Gallagher may shop Coalition or other markets; Coalition’s quote is the Executive Risks form on Zurich or surplus paper.
Private/NFP Caps Versus Going-Public Work
Coalition says Executive Risks D&O is available to private and not-for-profit U.S. organizations with up to $500 million in assets, up to 1,000 employees, and limits up to $10 million per line. 4 Gallagher specifically markets D&O placement to SPACs around IPO and de-SPAC and to companies going public through an IPO or direct listing, and describes bundling D&O before and after the IPO with representations and warranties, E&O, cyber, tax and contingent liability. 8 A de-SPAC tower is inside Gallagher’s described practice; it is outside Coalition’s private/NFP FAQ.
Benchmarking Attorneys Versus Policyholder Tools
Gallagher says the practice has a dedicated claims-advocacy team with in-house attorneys and uses quantitative benchmarking, including measuring use of Side-A-only D&O. 8 Coalition says Executive Risks policyholders get a customized risk assessment, a hotline for HR and director/officer issues, training, a handbook builder and website tools. 4 Gallagher’s reviewed page does not publish D&O limits; Coalition publishes the $10 million per-line figure. 8 4
What to Confirm in D&O Insurance Quotes
- Ask Gallagher which carrier is quoting and whether Side-A-only capacity is in the design. 8
- Confirm you fit Coalition’s private/NFP and size gates if Executive Risks is on the board. 4
- If you are a SPAC or going public, ask Gallagher how pre- and post-IPO D&O is structured versus Executive Risks. 8 4
- Ask whether Coalition paper is Zurich admitted or unaffiliated. 5
Offering Details
Coalition vs Gallagher D&O Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Directors and Officers Liability (D&O) | Gallagher Directors and Officers (D&O) Liability Insurance |
|---|---|---|
| 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. 4Company-reported. Executive Risks product page as read on 2026-09-23. | Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. 8Company-reported. Group-level executive-and-financial-risk practice page. |
| 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. | The executive-and-financial-risk page does not name the insurer that would issue a given client's D&O policy; it says Gallagher weighs carrier qualifications and performance data alongside a client's own insurer history and preferences when deciding which carriers to approach. 8Company-reported. Group-level executive-and-financial-risk practice page. |
| 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. 4Company-reported. Executive Risks FAQ as read on 2026-09-23. | Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. 8Company-reported. Group-level executive-and-financial-risk practice page, SPAC and IPO subsections. |
| 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. 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. | Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. 8Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement. |
| 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. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | The executive-and-financial-risk page does not publish D&O limits, retentions or premium ranges. 8Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| Risk Services | 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. | For SPACs and IPOs, Gallagher describes bundling D&O coverage before and after the IPO with related lines such as representations and warranties, E&O, cyber, tax and contingent liability coverage, plus risk-management and claims support at each stage. 8Company-reported. Group-level executive-and-financial-risk practice page, SPAC subsection. |
| How to Apply | 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. | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | Gallagher says its Executive and Financial Risk practice has a dedicated claims-advocacy team with in-house attorneys specializing in these lines, and that it uses quantitative benchmarking, including measuring the judicious use of Side-A-only D&O coverage, to guide more precise coverage structures. 8Company-reported. Group-level executive-and-financial-risk practice summary; describes a support service, not a guarantee of claim payment. |
Full Comparison
More Coalition vs Gallagher Comparisons
Other D&O Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. 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.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Directors and Officers Liability (D&O) — offers protection for company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. 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.
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Directors and Officers (D&O) Liability insurance section; Special-Purpose Acquisition Companies (SPACs) section; IPO and direct listings section; Executive and Financial Risk Practice Summary. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
