Coalition vs Marsh D&O Insurance

Coalition’s Executive Risks D&O is private/NFP with a $10 million cap; Marsh places public, private and nonprofit D&O.

What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. ^1,^2,^3,⁴

Read the Coalition profile

What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. ^6,^7,^8,⁹

Read the Marsh profile

What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. ¹²

Read the full coverage guide

Key Differences in D&O Insurance

Who Puts the Policy on Risk

Coalition designs D&O inside Executive Risks, sold only through appointed brokers, naming Zurich American as the admitted carrier and also placing with unaffiliated insurers. ⁴ ⁵ Marsh’s financial and professional liability practice places D&O for public, private and non-profit companies; MMA also places D&O for middle-market clients, and Marsh’s reviewed materials do not name a specific D&O insurer. ¹⁰ ¹¹ Marsh places; Coalition’s quote is the Executive Risks program.

Private, Nonprofit or Public Framing

Marsh says public-company directors typically face more securities-lawsuit exposure from shareholders and regulators, while private and non-profit organizations more often face employment-practices claims. ¹⁰ Coalition says Executive Risks D&O is available to private and not-for-profit U.S. organizations in all 50 states and D.C., with up to $500 million in assets and up to 1,000 employees. ⁴ Marsh’s placement practice is described across public, private and non-profit; Coalition’s Executive Risks appetite is private and NFP under those gates.

How You Start

Coalition sells Executive Risks only through appointed brokers. ⁴ Marsh’s described path is practice placement through its financial and professional liability teams. ¹⁰ Both are brokerage conversations; Coalition’s is for a named program, Marsh’s is market placement.

What to Confirm in D&O Insurance Quotes

Ask Marsh whether the placement is public, private or non-profit wording and which carrier is quoting. ¹⁰
Ask whether ESG-related claim language is addressed on the Marsh-placed form. ¹⁰
Confirm Coalition private/NFP and size eligibility if Executive Risks is proposed. ⁴
Ask whether Coalition paper is Zurich admitted or unaffiliated. ⁵

Offering Details

Coalition vs Marsh D&O Insurance: documented features by provider

Criteria	Coalition Executive Risks — Directors and Officers Liability (D&O)	Marsh Directors and Officers Liability (D&O) Insurance
Role in This Line	Coalition designs and distributes D&O as one of four coverages in its Executive Risks product suite, sold through appointed brokers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.	Marsh's financial and professional liability practice places D&O insurance for public, private and non-profit companies; MMA also places D&O coverage within its executive and professional liability practice for middle-market clients. ^10,¹¹Company-reported. Marsh D&O page and MMA executive and professional liability page.
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 D&O policy depends on the placement route. ⁵Company-reported. U.S. Disclaimers page as read on 2026-09-23.	The reviewed pages do not name a specific D&O insurer. ^10,¹¹Not publicly disclosed. Marsh D&O page and MMA executive and professional liability page as read on 2026-09-23.
Who It’s For	Coalition says Executive Risks products, including D&O, 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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23.	Marsh says public company directors and officers typically face more securities-lawsuit exposure from shareholders and regulators, while private and non-profit organizations more often face employment-practices claims from customers, vendors or regulators; directors and officers of all organization types can face cyber-related liability exposure. ¹⁰Company-reported. Marsh D&O page, common risks FAQ.
Coverage Features	Coalition says D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. ⁴Company-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.	Marsh says D&O insurance typically has three coverage sides: Side A protects directors' and officers' personal assets when the organization cannot or will not indemnify them; Side B reimburses the organization for indemnifying directors and officers; Side C offers balance-sheet protection when the entity itself is named, generally limited to securities claims for public companies. ¹⁰Company-reported. Marsh D&O page FAQ; illustrative policy structure, not a specific policy form. Marsh says ESG-related stakeholder scrutiny, covering areas such as carbon emissions, renewable-energy use, labor practices, board diversity and executive compensation, can add regulatory, legislative or litigation pressure on directors and officers beyond traditional D&O exposures. ¹⁰Company-reported. Marsh D&O page, What other risks do directors and officers face? section.
Limits and Retentions	Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including D&O, subject to exclusions and limitations. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.	Not described in the reviewed sources.
Risk Services	Coalition says Executive Risks policyholders, including D&O buyers, get a customized risk assessment, a hotline for assistance with HR and director/officer-related issues, employee training, a handbook builder, and website compliance tools. ⁴Company-reported. Executive Risks page and FAQ as read on 2026-09-23.	Not described in the reviewed sources.
How to Apply	Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.	Not described in the reviewed sources.

Full Comparison

More Coalition vs Marsh Comparisons

Other D&O Insurance Comparisons

Sources

Coalition

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.
U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
Executive Risks. Coalition; Product Offering: Directors and Officers Liability (D&O) — offers protection for company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement; 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.

Marsh

Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
Directors and Officers Liability (D&O). Marsh; Opening positioning for public, private and non-profit companies; FAQs: What are the most common risks for directors and officers?; What does D&O insurance cover? (Side A, B, C); What other risks do directors and officers face?; Ruth Kochenderfer, D&O Product Leader. Accessed 2026-09-23.
Expert Executive and Professional Liability Insurance. Marsh McLennan Agency; Directors and Officers subsection: covers costs from claims for alleged wrongful acts, including defense costs for civil, criminal and regulatory investigations. Accessed 2026-09-23.

D&O Insurance Guide

Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.