---
title: "Coalition vs Marsh McLennan Agency: Fiduciary Liability Insurance"
description: "Coalition places fiduciary coverage inside Executive Risks through appointed brokers and says private and nonprofit U.S. organizations may qualify with up to $500 million in assets, 1,000 employees, and $500 million in plan assets; Marsh McLennan Agency lists fiduciary liability in its executive-liability suite but does not publish plan-size thresholds or limits on the reviewed page."
canonical: "https://spot.insure/compare/coalition-vs-marsh-mclennan-agency/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "coalition-vs-marsh-mclennan-agency"
provider-a: "coalition"
provider-b: "marsh-mclennan-agency"
coverage-line: "fiduciary"
---

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

## Agent Guide

**What this page is:** Focused comparison of Coalition and Marsh McLennan Agency 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 Marsh McLennan Agency. 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 Marsh McLennan Agency for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Coalition or Marsh McLennan Agency?
- What does Coalition or Marsh McLennan Agency publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from Coalition or Marsh McLennan Agency?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Coalition and Marsh McLennan Agency.
- 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 Marsh McLennan Agency](https://spot.insure/compare/coalition-vs-marsh-mclennan-agency) — 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)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Coalition vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/coalition-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [Coalition vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/coalition-vs-marsh-mclennan-agency/cyber) — 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 Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)

# Coalition vs Marsh McLennan Agency: How Do They Compare for Fiduciary Liability Insurance?

Coalition places fiduciary coverage inside Executive Risks through appointed brokers and says private and nonprofit U.S. organizations may qualify with up to $500 million in assets, 1,000 employees, and $500 million in plan assets; Marsh McLennan Agency lists fiduciary liability in its executive-liability suite but does not publish plan-size thresholds or limits on the reviewed page.

## Research Scope and Use

Use this comparison to evaluate Coalition and Marsh McLennan Agency 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 places fiduciary coverage inside Executive Risks through appointed brokers and says private and nonprofit U.S. organizations may qualify with up to $500 million in assets, 1,000 employees, and $500 million in plan assets; Marsh McLennan Agency lists fiduciary liability in its executive-liability suite but does not publish plan-size thresholds or limits on the reviewed page. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## 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)

## What Is Marsh McLennan Agency?

Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [7](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [8](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

[Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## 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

### Coverage Details and Plan Fit

Coalition places fiduciary coverage inside Executive Risks through appointed brokers and says private and nonprofit U.S. organizations may qualify with up to $500 million in assets, 1,000 employees, and $500 million in plan assets. It says limits up to $10 million per line may be available. Marsh McLennan Agency lists fiduciary liability in its executive-liability suite but does not publish plan-size thresholds or limits on the reviewed page. The figures give Coalition buyers concrete eligibility questions; ask Marsh McLennan Agency to assess the same organization and plan profile. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

### Placement and Buyer Questions

Coalition’s disclaimer names Zurich U.S. American for admitted placements and says non-admitted placements may use unaffiliated insurers, so the actual carrier depends on route. Marsh McLennan Agency likewise describes broker-arranged placement, leaving the proposed insurer to be identified in a quote. Compare the named issuing entity and policy form alongside the limit. [6](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask Coalition whether plan assets and organization size fit its stated thresholds, which placement route applies, and which insurer would issue the policy. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [6](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Ask Marsh McLennan Agency for the proposed limit, plan eligibility terms, and named issuing insurer. [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## Offering Details

| Criteria | Coalition Executive Risks — Fiduciary Liability | Marsh McLennan Agency fiduciary (official overview) |
| --- | --- | --- |
| 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..) | Marsh McLennan Agency describes arranging fiduciary for the audience stated on the cited product page. [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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..) | Organizations seeking executive liability solutions; source does not define plan-specific eligibility. [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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..) | The cited product page describes fiduciary liability as a named product in the executive and professional liability suite; the overview does not state plan-specific grants. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| 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..) | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [9](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: fiduciary marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Full Comparison

- [Coalition vs Marsh McLennan Agency](https://spot.insure/compare/coalition-vs-marsh-mclennan-agency): 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 Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/coalition-vs-marsh-mclennan-agency/crime)
- [Coalition vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/coalition-vs-marsh-mclennan-agency/cyber)
- [AIG vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-coalition/fiduciary)
- [AIG vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/fiduciary)
- [Alliance Risk vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/fiduciary)
- [Alliance Risk vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/fiduciary)
- [Aon vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-coalition/fiduciary)
- [Aon vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/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.

### Marsh McLennan Agency

7. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29.
8. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29.
9. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Named within the executive and professional liability product suite.. Accessed 2026-09-30.

### 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).

## Marsh McLennan Agency Reviews

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/coalition-vs-marsh-mclennan-agency/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)