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

Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only; Relm Insurance brokers fiduciary protection for companies managing pensions, health plans, or employee benefits.

Coalition’s Executive Risks fiduciary has published organization size caps; Relm markets the line through brokers for startups and growth-stage firms adding benefits early. ^1,³

What Are the Key Differences Between Coalition and Relm Insurance Fiduciary Liability Insurance?

Who Designs the Product Versus Who Places It

Coalition offers fiduciary inside its Executive Risks suite through appointed brokers. Relm markets the line for brokers to place with companies managing employee benefit plans, particularly startups and growth-stage firms introducing benefits early. ¹ ³

Eligibility Caps Versus Growth-Stage Framing

Coalition says Executive Risks, including this line, is open to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, 1,000 employees, and $500 million in plan assets. Relm instead frames the buyer as companies that manage pensions or health insurance, calling out startups and growth-stage firms that add benefits early to hire. ¹ ³

Named Admitted Paper Versus an Unnamed Issuer

Coalition’s disclaimer names Zurich American Insurance Company for admitted Executive Risks and says Coalition Insurance Solutions, Inc. also places the suite with unaffiliated insurers on a non-admitted basis, so the fiduciary carrier depends on the route. Relm’s reviewed financial-lines page does not name an issuing insurer for a fiduciary placement. ² ³

Published Line Limits Versus No Stated Figures

Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including fiduciary liability. Relm’s reviewed page does not publish a fiduciary limit, retention, or premium, and it does not describe plan-administration review services beyond a general coverage description. ¹ ³

What Should You Confirm in Coalition and Relm Insurance Fiduciary Liability Insurance Quotes?

Ask whether Coalition’s fiduciary limit is inside the $10 million per-line figure and whether the placement is admitted Zurich paper or surplus with another insurer. ¹ ²
Ask Relm’s broker which carrier, form, and limit would apply to your plan assets and whether settlor or funding issues are excluded. ³
Confirm Coalition’s asset, employee, and plan-asset caps still fit if you grow past $500 million or 1,000 people. ¹
Confirm who is an insured: Relm lists sponsors, trustees, administrators, investment committees, and directors with discretionary ERISA authority; Coalition describes claims of mismanaging employee benefits and pension plans without that insured-person list. ³ ¹

Coalition vs Relm Insurance Fiduciary Liability Insurance Compared

Coalition vs Relm Insurance: Fiduciary Liability Insurance: documented features by provider

Criteria	Coalition Executive Risks — Fiduciary Liability	Relm Fiduciary Liability Insurance
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. ¹Company-reported. Executive Risks FAQ as read on 2026-09-23; the plan-assets cap is directly relevant to fiduciary eligibility.	Relm targets companies that manage employee benefit plans such as pensions or health insurance, specifically calling out startups and growth-stage companies that introduce benefits early to attract talent. ³Company-reported. Financial Lines page framing; not a guarantee of eligibility for a particular company.
How to Apply	Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	Relm sells fiduciary liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ³Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model.
Coverage Features	Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. ¹Company-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.	Relm says fiduciary liability protects plan sponsors, trustees, administrators, investment committees, and directors and officers with 'discretionary authority' under ERISA, covering legal fees, settlement and judgment costs tied to employee benefit plans. ³Company-reported. Financial Lines page general description; the issued policy and declarations control.
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. ¹Company-reported. Executive Risks product page as read on 2026-09-23.	Relm markets fiduciary liability as a coverage brokers can place for clients that manage employee benefit plans. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.