Coalition vs 
HUB International: How Do They Compare for Fiduciary Liability Insurance?
Coalition designs fiduciary cover for private and not-for-profit US organizations and sells it only through appointed brokers, with limits up to $10 million where available; HUB International is the broker for employers sponsoring retirement or health plans.
HUB says fiduciary liability sits outside D&O for employers sponsoring health or retirement plans; Coalition limits Executive Risks to organizations within its asset and employee caps. 1,3
What Are the Key Differences Between Coalition and HUB International Fiduciary Liability Insurance?
Suite Product Versus Employer Brokerage
Coalition sells fiduciary as one of four Executive Risks coverages through appointed brokers. HUB arranges the line for employers offering health or retirement plans, including those facing potential participant, Department of Labor or PBGC suits. 1 3
D&O Relationship
Coalition places fiduciary inside Executive Risks alongside other executive lines in that suite. HUB states fiduciary liability is not covered by directors and officers policies, so it treats the line as separate rather than assuming a D&O form will respond. 1 3
Size Rules Versus Claim Scenarios
Coalition publishes employee, asset and plan-asset caps for private and not-for-profit U.S. organizations. HUB lists claim scenarios such as a plan insurer or TPA making bad choices, benefits denials, insufficient funding, poor investment selection and incorrect plan termination, without those numeric caps. 1 3
Limits and Education
Coalition says limits up to $10 million per line may be available and names Zurich American as the admitted Executive Risks carrier. HUB does not publish policy limits, cites combined defense and settlement costs exceeding $1 million as a risk statistic, publishes a prevention video, and directs prospects to contact a HUB broker. 1 2 3
What Should You Confirm in Coalition and HUB International Fiduciary Liability Insurance Quotes?
- Ask HUB whether Coalition Executive Risks is a market it would approach. 3 1
- Confirm you fit Coalition’s size caps if that suite is quoted. 1
- Compare Coalition’s $10 million per-line figure with HUB’s placement; do not treat HUB’s $1 million cost statistic as a limit. 1 3
- Ask whether HUB is placing fiduciary separate from D&O even if Coalition quotes Executive Risks together. 3 1
Coalition vs HUB International Fiduciary Liability Insurance Compared
Coalition vs HUB International: Fiduciary Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Fiduciary Liability | HUB International Fiduciary Liability Insurance Brokerage |
|---|---|---|
| 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. | HUB targets fiduciary liability brokerage at employers offering health-care or retirement benefit plans who face potential litigation from plan participants, the Department of Labor or the Pension Benefit Guaranty Corporation. 3Company-reported. Product-page target-audience description; not a published underwriting appetite. |
| How to Apply | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. 1Company-reported. Executive Risks product page as read on 2026-09-23. | HUB directs fiduciary liability prospects to "Connect With a Broker" or "Contact a HUB broker" rather than an online quote or bind flow. 3Company-reported. Product-page calls to action. |
| 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. | HUB lists fiduciary liability claim scenarios it covers as including a plan's insurer, mutual fund or third-party administrator making bad choices, plan administration errors or conflicts of interest, benefits denial, changes or reductions, bad advice or improper counsel, insufficient plan funding, poor investment selection and incorrect plan termination. 3Company-reported. Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim. HUB states that fiduciary liability exposure "is not covered by director's and officers' liability policies," positioning fiduciary liability as a separate line from D&O rather than a bundled coverage. 3Company-reported. Product-page statement distinguishing fiduciary liability from D&O. |
| 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. | HUB brokers fiduciary liability insurance for employers that sponsor health-care and retirement benefit plans, rather than underwriting the coverage itself. 3Company-reported. Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer. |
