---
title: "Coalition vs Gallagher: Fiduciary Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-gallagher/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-gallagher"
provider-a: "coalition"
provider-b: "gallagher"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/coalition-vs-gallagher/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of Coalition and Gallagher for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about Coalition versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Coalition vs Gallagher for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Coalition or Gallagher?
- What does Coalition or Gallagher publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Coalition and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher) — all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — how this coverage works
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# 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 eligibility is capped at 1,000 employees and $500 million in company and plan assets; Gallagher places fiduciary for retirement-plan sponsors and uses models to advise on limits.

## Coalition vs Gallagher Fiduciary Liability Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

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

- Ask Gallagher whether Coalition Executive Risks is in its modeled markets. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Check Coalition’s size caps against Gallagher’s corporate ERISA-sponsor book. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Compare Coalition’s $10 million per-line figure with Gallagher’s modeled limit. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Get Coalition’s admitted versus surplus issuer if that program is selected. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## Coalition vs Gallagher Fiduciary Liability Insurance Compared

| 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-and-financial-risk practice page..) |

## About Coalition and Gallagher and Fiduciary Liability Insurance

- [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)

## Related Pages for Coalition vs Gallagher Fiduciary Liability Insurance

- [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Coalition Fiduciary Liability Insurance](https://spot.insure/insurance-providers/coalition/fiduciary)
- [Gallagher Fiduciary Liability Insurance](https://spot.insure/insurance-providers/gallagher/fiduciary)

## Sources for Coalition vs Gallagher Fiduciary Liability Insurance

### Sources About Coalition

1. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering: Fiduciary Liability — provides coverage for claims of mismanagement of employee benefits and pension plans; FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders?. Accessed 2026-09-23.
2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). 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.

### Sources About Gallagher

3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Fiduciary Liability (Pension and Welfare Liability) insurance section. Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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