Coalition vs 
Nationwide: How Do They Compare for Fiduciary Liability Insurance?
Coalition says Executive Risks, including fiduciary liability, is available to private and nonprofit U.S. organizations up to 1,000 employees and $500 million in plan assets, and that limits up to $10 million per line may be available. Nationwide’s cited page names fiduciary liability but does not specify plan-specific coverage grants. 5,10
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 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. 11,12,13
Key Differences in Fiduciary Liability Insurance
Eligibility and plan size
Coalition says its Executive Risks products, including fiduciary liability, are available to private and nonprofit U.S. organizations with up to 1,000 employees and up to $500 million in plan assets. Nationwide’s cited product page names fiduciary liability but does not specify plan-specific grants. Treat Coalition’s thresholds as company-reported screening guidance, then ask both providers how your plan and organization will be considered for a quote. 5 10
Published limit context
Coalition says limits up to $10 million per coverage line may be available, subject to exclusions and limitations. The Nationwide overview identifies the fiduciary product without describing plan-specific grants, so request its proposed limit and structure rather than treating the public product listing as a figure. Compare whether the Coalition amount is offered for your risk and how either proposal handles aggregates and sublimits. 5 10
What to Confirm in Fiduciary Liability Insurance Quotes
Coalition and Nationwide Review Scores for 2026
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
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
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 reviewsCoalition vs Nationwide Fiduciary Liability Insurance Compared
Coalition vs Nationwide: Fiduciary Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Fiduciary Liability | Nationwide 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. 5Company-reported. Executive Risks product page as read on 2026-09-23. | Nationwide describes offering fiduciary for the audience stated on the cited product page. 10Company-reported. fiduciary 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 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. | Commercial organizations considering management-liability products; plan eligibility is policy-specific. 10Company-reported. fiduciary 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 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. | The cited product page describes fiduciary liability as a named commercial-liability product; the overview does not specify plan-specific coverage grants. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 10Company-reported. fiduciary 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 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. | 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. |
| 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. | 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. fiduciary 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. |
Related Pages for Coalition vs Nationwide Fiduciary Liability
Fiduciary Liability Insurance Pages for Coalition and Nationwide
Other Coverage Lines Compared for Coalition vs Nationwide
Other Fiduciary Liability Insurance Provider Comparisons
Sources for Coalition vs Nationwide Fiduciary Liability Insurance
Sources About 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.
Sources About 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.
- Commercial Liability Products | Nationwide. Nationwide; Fiduciary liability appears as a named product in the commercial-liability product suite. Accessed 2026-09-30.
Sources for the 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.
