---
title: "Coalition vs Markel Insurance: Fiduciary Liability Insurance"
description: "Compare Coalition’s broker-distributed Executive Risks fiduciary product, published size limits and insurer routes with Markel’s broad plan coverage description."
canonical: "https://spot.insure/compare/coalition-vs-markel/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "coalition-vs-markel"
provider-a: "coalition"
provider-b: "markel"
coverage-line: "fiduciary"
---

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

## Agent Guide

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

**Questions this page answers:**
- Coalition vs Markel Insurance for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Coalition or Markel Insurance?
- What does Coalition or Markel Insurance publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from Coalition or Markel Insurance?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Coalition and Markel Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Coalition vs Markel Insurance](https://spot.insure/compare/coalition-vs-markel) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile (evidence)
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [Coalition vs Markel Insurance Crime Insurance](https://spot.insure/compare/coalition-vs-markel/crime) — sibling comparison (other line, or other pair for this line)
- [Coalition vs Markel Insurance Cyber Insurance](https://spot.insure/compare/coalition-vs-markel/cyber) — sibling comparison (other line, or other pair for this line)
- [Coalition vs Markel Insurance D&O Insurance](https://spot.insure/compare/coalition-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Coalition vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Coalition vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-markel/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-coalition/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-markel/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-markel/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-coalition/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-markel/fiduciary) — sibling comparison (other line, or other pair for this line)

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

Compare Coalition’s broker-distributed Executive Risks fiduciary product, published size limits and insurer routes with Markel’s broad plan coverage description.

## Research Scope and Use

Use this comparison to evaluate Coalition and Markel Insurance for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Coalition publishes Executive Risks eligibility up to 1,000 employees, $500 million in assets and $500 million in plan assets, with potential limits up to $10 million. Markel describes plan-fiduciary claims but does not publish comparable numeric limits in the reviewed record. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management 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](https://www.coalitioninc.com/control "Coalition Control") [2](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [3](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## 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](https://www.markel.com/about-us "About us") [8](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

## 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](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [11](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

### 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](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [9](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- What numeric limits, retention, defense-cost treatment and covered plan allegations will Markel offer? [9](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Which Coalition admitted or non-admitted insurer, or Markel underwriting entity, will issue the policy? [6](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [9](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

## Offering Details

| 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. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | Markel lists fiduciary liability for private companies, nonprofits and individuals managing employee benefit plans. [9](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: 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. [5](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..) | 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. [9](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: Published audience description only..) |
| Coverage Features | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. [5](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..) | 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. [9](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | Confirm in your quote. |

## Full Comparison

- [Coalition vs Markel Insurance](https://spot.insure/compare/coalition-vs-markel): 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 vs Markel Insurance Crime Insurance](https://spot.insure/compare/coalition-vs-markel/crime)
- [Coalition vs Markel Insurance Cyber Insurance](https://spot.insure/compare/coalition-vs-markel/cyber)
- [Coalition vs Markel Insurance D&O Insurance](https://spot.insure/compare/coalition-vs-markel/directors-officers)
- [Coalition vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-markel/employment-practices)
- [Coalition vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-markel/professional-errors-omissions)
- [AIG vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-coalition/fiduciary)
- [AIG vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-markel/fiduciary)
- [Alliance Risk vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/fiduciary)
- [Alliance Risk vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-markel/fiduciary)
- [Aon vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-coalition/fiduciary)
- [Aon vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-markel/fiduciary)

## Sources

### Coalition

1. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
2. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). 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.
3. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
4. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
5. [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.
6. [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.

### Markel Insurance

7. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
8. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). 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.
9. [Private and Nonprofit Management Liability Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit). Markel; What we offer; private/nonprofit segment; D&O, EPL, fiduciary and optional coverage sections.. Accessed 2026-09-29.

### Fiduciary Liability Insurance Guide

10. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
11. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). 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.
12. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Coalition Reviews

Review Score: 10.0 / 10 from 1 rated source, equally weighted.

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.

- BBB: BBB business grade A+. Coalition (BBB profile, San Francisco, CA); business grade, separate from customer-review stars. Checked 2026-09-29. [Coalition - BBB profile (San Francisco)](https://www.bbb.org/us/ca/san-francisco/profile/cyber-security/coalition-1116-956032); [Search: "Coalition" site:bbb.org insurance reviews ratings](https://www.google.com/search?q=%22Coalition%22+site%3Abbb.org+reviews+OR+complaints)
- RaveCapture: Broker review rating 5 (out of 5); 188 reviews. Verified broker and policyholder reviews of Coalition, collected through a third-party review-collection service. Checked 2026-09-29. [Coalition, Inc.: Broker Reviews](https://app.ravecapture.com/store/Coalition-inc-broker-reviews)
- BizInsuranceCompare: Editorial score 7.7 (out of 10). Independent small-business insurance comparison site editorial score; publisher-defined methodology. Checked 2026-09-29. [Coalition review: small business insurance](https://www.bizinsurancecompare.com/carriers/coalition)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/coalition/reviews).

## Markel Insurance Reviews

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

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.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/coalition-vs-markel/fiduciary.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)