---
title: "Coalition vs Heffernan Insurance Brokers: Fiduciary Liability Insurance"
description: "Coalition publishes asset and employee caps for its fiduciary program; Heffernan also serves family offices, trust companies, trustees and financial institutions but does not publish fiduciary limits."
canonical: "https://spot.insure/compare/coalition-vs-heffernan/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-heffernan"
provider-a: "coalition"
provider-b: "heffernan"
coverage-line: "fiduciary"
---

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

## Agent Guide

**What this page is:** Focused comparison of Coalition and Heffernan Insurance Brokers 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 Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Coalition and Heffernan Insurance Brokers.
- 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 Heffernan Insurance Brokers](https://spot.insure/compare/coalition-vs-heffernan) — 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
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# Coalition vs Heffernan Insurance Brokers: How Do They Compare for Fiduciary Liability Insurance?

Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only; Heffernan Insurance Brokers serves business clients and family offices with executive-protection coverage.

Coalition publishes caps of 1,000 employees and $500 million in company and plan assets; Heffernan places fiduciary for businesses, family offices and financial institutions without publishing limits.

## Coalition vs Heffernan Insurance Brokers Fiduciary Liability Insurance Summary

Coalition publishes asset and employee caps for its fiduciary program; Heffernan also serves family offices, trust companies, trustees and financial institutions but does not publish fiduciary limits. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office")

## What Are the Key Differences Between Coalition and Heffernan Insurance Brokers Fiduciary Liability Insurance?

### Executive Risks Program Versus Shopped Placement

Coalition offers fiduciary as one of four Executive Risks coverages. Heffernan places the line through corporate and executive-protection brokerage and a family-office and financial-institution practice; its reviewed pages do not publish fiduciary limits. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office")

### Not-for-Profit Caps Versus Trustees and Foundations

Coalition’s appetite is private and not-for-profit U.S. organizations in all 50 states and D.C., up to 1,000 employees and $500 million in assets and plan assets. Heffernan offers fiduciary to general business clients and to family offices, trust companies, trustees, financial advisors, private equity firms, foundations and other financial institutions. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [4](https://www.heffins.com/family-office/ "Family Office") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

### Limits on File

Coalition says limits up to $10 million per line may be available. Heffernan’s reviewed pages do not publish a fiduciary limit, retention or premium range. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

### How You Start and What Services Attach

Coalition sells only through appointed brokers. Heffernan routes family-office fiduciary work through a Private Client Group specialist and describes a Risk Management Assessment that itemizes structures, assets and exposures; Coalition’s reviewed Executive Risks pages do not describe a comparable assessment product. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [4](https://www.heffins.com/family-office/ "Family Office")

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

- Ask Heffernan whether Coalition is a market for your private, NFP or family-office structure. [4](https://www.heffins.com/family-office/ "Family Office") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Check Coalition’s 1,000-employee and $500 million caps if that program is quoted. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Compare Coalition’s $10 million per-line figure with Heffernan’s quoted market. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Get Coalition’s Zurich admitted versus non-admitted issuer. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## Coalition vs Heffernan Insurance Brokers Fiduciary Liability Compared

| Criteria | Coalition Executive Risks — Fiduciary Liability | Heffernan 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..) | Heffernan offers fiduciary liability to two named segments: general business clients through its business-insurance brokerage, and family offices, trust companies, trustees, financial advisors, private equity firms, foundations, and other financial institutions through its family-office practice. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Direct practice-page listings; no minimum size or asset-under-management threshold was published for the coverage specifically..) |
| How to Apply | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | The family-office practice's fiduciary-liability coverage is reached through a named Private Client Group specialist contact rather than a self-service online quote flow. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; the general business-insurance page's fiduciary listing routes through Heffernan's general Contact Us form instead..) |
| 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..) | On the family-office page, fiduciary liability insurance is listed alongside directors and officers, professional liability, employment practices liability, trustee liability, and other management-liability-adjacent lines as coverage the practice can arrange, without describing the policy's insuring agreement or exclusions. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23..) |
| 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..) | Heffernan places fiduciary liability coverage within its general corporate/executive-protection lineup and again within a dedicated family-office and financial-institution practice. It shops and places the coverage with insurers rather than underwriting it. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found..) |

## About Coalition and Heffernan Insurance Brokers

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

## Related Pages for Coalition vs Heffernan Insurance Brokers

- [Coalition vs Heffernan Insurance Brokers](https://spot.insure/compare/coalition-vs-heffernan): 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)
- [Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/insurance-providers/heffernan/fiduciary)

## Sources for Coalition vs Heffernan Insurance Brokers

### 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 Heffernan Insurance Brokers

3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23.
4. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; We serve: Family offices, Trust companies, Individual and professional trustees, Financial advisors/CPAs/attorneys, Private equity firms, Foundations, Financial institutions; Coverage for Family Offices, Trustees & Financial Firms: ... Fiduciary liability insurance ...; Risk Management Assessment section; contact Lacey Garrison. 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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