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

Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only; Gallagher places fiduciary coverage with outside carriers for corporations sponsoring retirement or welfare plans.

Coalition limits its fiduciary program to eligible U.S. private and nonprofit organizations under published asset and employee caps; Gallagher advises plan sponsors on limits using proprietary models. ^1,³

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

Designed Suite Versus Limit Models

Coalition offers fiduciary as part of Executive Risks and publishes caps on company assets, plan assets and employee count. Gallagher places fiduciary for companies sponsoring retirement or welfare plans and says its proprietary models help clients select limits. ¹ ³

Numeric Caps Versus Corporate ERISA Sponsors

Coalition publishes eligibility of up to 1,000 employees, $500 million in assets and $500 million in plan assets for private and not-for-profit U.S. organizations. Gallagher targets corporations sponsoring retirement or welfare benefit plans, describing protection for ERISA fiduciaries, fiduciary committees and personnel who design or implement 401(k) or pension plans. ¹ ³

Published Versus Modeled Limits

Coalition says limits up to $10 million per coverage line may be available. Gallagher says it has proprietary models to measure fiduciary risk and assist in selecting coverage limits, without publishing a dollar maximum on the reviewed page. ¹ ³

Buying Path and Paper

Coalition sells only through appointed brokers and names Zurich American as the admitted Executive Risks carrier, with non-admitted unaffiliated options. Gallagher’s reviewed page does not name the insurer for a given client. ¹ ² ³

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

Ask Gallagher whether Coalition Executive Risks is in its modeled markets. ³ ¹
Check Coalition’s size caps against Gallagher’s corporate ERISA-sponsor book. ¹ ³
Compare Coalition’s $10 million per-line figure with Gallagher’s modeled limit. ¹ ³
Get Coalition’s admitted versus surplus issuer if that program is selected. ²

Coalition vs Gallagher Fiduciary Liability Insurance Compared

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

Criteria	Coalition Executive Risks — Fiduciary Liability	Gallagher Fiduciary Liability Insurance
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.	Gallagher targets this coverage at corporations sponsoring retirement or welfare benefit plans, since the described exposure is tied specifically to ERISA fiduciary duties. ³Company-reported. Group-level executive-and-financial-risk practice page.
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.	Gallagher describes fiduciary liability as protecting a corporation's Employee Retirement Income Security Act (ERISA) fiduciaries, fiduciary committees and personnel who design or implement 401(k) or pension plans for employees and retirees. ³Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions.
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.	Gallagher's Executive and Financial Risk practice places fiduciary liability coverage with outside carriers and advises on limits; it does not underwrite the policy. ³Company-reported. Group-level executive-and-financial-risk practice page.