Coalition vs 
Markel Insurance: How Do They Compare for Fiduciary Liability Insurance?
What Is Coalition Insurance?
Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. 1,2,3,4
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 7,8
What Is Fiduciary Liability Insurance?
Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. 10,11,12
Key Differences in Fiduciary Liability Insurance
Published Eligibility and Potential Limits
Coalition states that its Executive Risks suite, including fiduciary liability, targets private and nonprofit U.S. organizations with up to 1,000 employees, $500 million in assets and $500 million in plan assets; it says limits up to $10 million per coverage line may be available. Markel identifies private companies, nonprofits and employee-plan fiduciaries, and describes potential defense costs, settlements and judgments, but its reviewed claim gives no matching numeric threshold or limit. Buyers near Coalition’s stated size boundaries should ask about underwriting exceptions and request Markel’s limit options in writing. 5 5 9
Distribution and Issuing Insurer
Coalition distributes Executive Risks through appointed brokers. Its disclosure names Zurich American Insurance Company for admitted placements and says non-admitted placements may use unaffiliated insurers, so the carrier depends on the route. Markel’s cited product description does not identify its issuing insurer in the claim record or describe the same appointed-broker restriction. The buyer should establish who can submit the application and which insurer will appear on the declarations before comparing terms. 6 9
What to Confirm in Fiduciary Liability Insurance Quotes
- Does Coalition accept your employee, organization-asset and plan-asset totals, and what limit can it offer above or below $10 million? 5
- What numeric limits, retention, defense-cost treatment and covered plan allegations will Markel offer? 9 5
- Which Coalition admitted or non-admitted insurer, or Markel underwriting entity, will issue the policy? 6 9
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Coalition
Review Score
1 rated source
Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.[10][14][13]
Read Coalition reviewsMarkel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsOffering Details
Coalition vs Markel Insurance: Fiduciary Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Fiduciary Liability | Markel fiduciary liability |
|---|---|---|
| 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. 5Company-reported. Executive Risks product page as read on 2026-09-23. | Markel lists fiduciary liability for private companies, nonprofits and individuals managing employee benefit plans. 9Company-reported. U.S. private/nonprofit product page; not a fidelity bond. |
| Issuing Insurer | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific fiduciary policy depends on the placement route. 6Company-reported. U.S. Disclaimers page as read on 2026-09-23. | Confirm in your quote. |
| 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. 5Company-reported. Executive Risks FAQ as read on 2026-09-23; the plan-assets cap is directly relevant to fiduciary eligibility. | The page identifies private companies and not-for-profits and employee-plan fiduciaries as intended audiences; exact class and plan eligibility is not stated universally. 9Company-reported. Published audience description only. |
| Coverage Features | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. 5Company-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. | Markel describes claims involving benefit-plan mismanagement, administrative errors or breach of fiduciary duty, with potential defense costs, settlements and judgments subject to policy wording. 9Company-reported. Illustrative page description; policy terms control. |
| Limits and Retentions | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including fiduciary liability, subject to exclusions and limitations. 5Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | Confirm in your quote. |
| How to Apply | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. 5Company-reported. Executive Risks product page as read on 2026-09-23. | Confirm in your quote. |
Full Comparison
More Coalition vs Markel Insurance Comparisons
Other Fiduciary Liability Insurance Comparisons
Sources
Coalition
- Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Executive Risks. 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.
- U.S. Disclaimers. 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.
Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Private and Nonprofit Management Liability Insurance. Markel; What we offer; private/nonprofit segment; D&O, EPL, fiduciary and optional coverage sections. Accessed 2026-09-29.
Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability. Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
