Coalition vs HUB International: How Do They Compare for D&O Insurance?

HUB International brokers D&O across private, public, and nonprofit organizations and describes attorney-led claims support; Coalition distributes Executive Risks through appointed brokers, with stated limits up to $10 million per line.

Public companies should look at HUB: it brokers D&O for public, private and nonprofit clients and backs claims with an attorney-staffed group. Coalition's D&O only covers private and nonprofit U.S. organizations with up to $500 million in assets and 1,000 employees, with limits up to $10 million. ^3,^4,¹

What Are the Key Differences Between Coalition and HUB International D&O Insurance?

Public Companies Included vs Private and Nonprofit Only

HUB's ProEx practice brokers D&O for private companies, nonprofits with advisory boards and public companies with shareholders, and places over $2 billion in premium with insurers it calls top-rated. Coalition's Executive Risks, including D&O, stop at private and nonprofit organizations with up to $500 million in assets and 1,000 employees. Choose HUB if you're public, larger than Coalition's caps, or want several insurers compared; choose Coalition if you're a private company or nonprofit under the caps and want a set program with HR tools included. ³ ⁴ ¹

Attorney Claims Support vs Prevention Tools

HUB's Claims & Legal Risks Group, staffed by attorneys, helps from reviewing policy wording before a claim through recovery, with analytics and litigation support. Coalition invests earlier: a risk assessment, an HR and director hotline, training and a handbook builder, with limits up to $10 million per line. HUB publishes no limits. ⁴ ¹ ³

Both Require a Broker

HUB connects you with one of its own brokers. Coalition sells only through appointed brokers, so your broker needs a Coalition appointment. ³ ¹

What Should You Confirm in Coalition and HUB International D&O Insurance Quotes?

Ask HUB which insurer is quoting and whether you need public-company wording. ³
Confirm you fit Coalition's private or nonprofit status and size caps before it's proposed. ¹
Compare HUB's proposed limit with Coalition's $10 million per-line maximum. ¹
Ask whether a Coalition policy is issued by Zurich American (admitted) or an unaffiliated insurer. ²

Coalition vs HUB International D&O Insurance Compared

Coalition vs HUB International: D&O Insurance: documented features by provider

Criteria	Coalition Executive Risks — Directors and Officers Liability (D&O)	HUB International Directors and Officers Insurance Brokerage
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. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23.	HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. ³Company-reported. D&O product page target-market description; not an underwriting appetite statement.
How to Apply	Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. ³Company-reported. D&O product page call to action.
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. 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.	HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. ³Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. ³Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.
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. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. ^3,⁴Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.
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. ¹Company-reported. Executive Risks page and FAQ as read on 2026-09-23.	HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. ⁴Company-reported. ProEx page team and services description; not specific to a single D&O engagement.