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
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 7,8,9
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 11,12,13
Key Differences in D&O Insurance
Coalition Publishes Eligibility and Limit Guidelines
Coalition says its Executive Risks products, including D&O, are available to private and nonprofit U.S. organizations with up to $500 million in assets, 1,000 employees and $500 million in plan assets, with limits up to $10 million per line potentially available. Nationwide’s overview describes D&O coverage but publishes no comparable thresholds or limit. Treat Coalition’s figures as stated program bounds, then ask both providers for a firm eligibility decision and quote. 5 10
Coalition Adds Risk-Management Tools to Its Broker Placement
Coalition says Executive Risks policyholders can access a customized risk assessment, HR and director/officer hotline, employee training, handbook builder and website-compliance tools. Nationwide’s product overview directs buyers to an agent or quote request without detailing related tools. If governance or HR support matters, ask Nationwide what services accompany the policy and clarify which Coalition tools are available to your organization. 5 10
Coalition Identifies Admitted and Non-Admitted Routes
Coalition’s disclosure names Zurich American Insurance Company as the admitted carrier for Executive Risks and says non-admitted placements may use unaffiliated insurers; the carrier depends on route. Nationwide’s overview does not name the D&O issuer for an individual quote. Ask for the actual insurer and state-specific policy route before comparing financial terms. 6 10
What to Confirm in D&O Insurance Quotes
- Ask Coalition whether your organization fits its published asset, employee and plan-asset thresholds and whether the placement is admitted; ask Nationwide to identify its issuing company. 5 10
- Compare line limits, insured-person and entity coverage, retentions, HR tools and whether services are included with each placement. 5 10
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 reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
Coalition vs Nationwide: D&O Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Directors and Officers Liability (D&O) | Nationwide directors officers (official overview) |
|---|---|---|
| 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. 5Company-reported. Executive Risks product page as read on 2026-09-23. | Nationwide describes offering directors officers for the audience stated on the cited product page. 10Company-reported. directors officers marketed by nationwide; 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 D&O 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 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. 5Company-reported. Executive Risks FAQ as read on 2026-09-23. | Businesses and directors/officers described by Nationwide; page does not establish universal limits or terms. 10Company-reported. directors officers marketed by nationwide; 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 D&O coverage protects company leadership from liability arising from their business decisions, including alleged breaches of duty or financial mismanagement. 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. | The cited product page describes D&O insurance for claims tied to alleged decisions or wrongful acts by company directors and officers, subject to policy terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 10Company-reported. directors officers marketed by nationwide; 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 D&O, 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. | 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. 10Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. 5Company-reported. Executive Risks page and FAQ as read on 2026-09-23. | Confirm in your quote. |
| How to Apply | Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. 5Company-reported. Executive Risks product page as read on 2026-09-23. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 10Company-reported. directors officers marketed by nationwide; 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
More Coalition vs Nationwide Comparisons
Other D&O 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: 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.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Directors and Officers Liability. Nationwide; D&O page; management-liability product and covered exposures. Accessed 2026-09-30.
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.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
