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

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

## Agent Guide

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

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

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

# 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 D&O does not cover fiduciary liability for health and retirement plan sponsors; Coalition offers it through Executive Risks to organizations within published size caps.

## Coalition vs HUB International Fiduciary Liability Insurance Summary

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## 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](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Confirm you fit Coalition’s size caps if that suite is quoted. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Ask whether HUB is placing fiduciary separate from D&O even if Coalition quotes Executive Risks together. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Coalition vs HUB International Fiduciary Liability Insurance Compared

| 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. [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..) | 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. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page calls to action..) |
| 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..) | 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. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim..)<br><br>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. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer..) |

## About Coalition and HUB International and Fiduciary Liability

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

## Related Pages for Coalition vs HUB International Fiduciary Liability

- [Coalition vs HUB International](https://spot.insure/compare/coalition-vs-hub-international): 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)
- [HUB International Fiduciary Liability Insurance](https://spot.insure/insurance-providers/hub-international/fiduciary)

## Sources for Coalition vs HUB International

### 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 HUB International

3. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Target audience: employers offering health-care and retirement benefit plans; list of covered claim scenarios; statement distinguishing fiduciary liability from D&O; $1 million defense-and-settlement-cost reference; "Prevent Fiduciary Liability Claims" video; Connect With a Broker / Contact a HUB broker calls to action. 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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