---
title: "Coalition vs Relm Insurance Fiduciary Liability Insurance"
description: "Coalition packages fiduciary liability in Executive Risks with published limits; Relm places it through brokers for early-stage benefit plans."
canonical: "https://spot.insure/compare/coalition-vs-relm/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Coalition vs Relm Insurance Fiduciary Liability Insurance

Coalition packages fiduciary liability in Executive Risks with published limits; Relm places it through brokers for early-stage benefit plans.

## Research Scope and Use

Use this comparison to evaluate Coalition and Relm Insurance 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 designs fiduciary liability as one Executive Risks line, with stated asset and employee caps and limits up to $10 million. Relm markets the same line for brokers to place for startups that add benefits early, without a named issuer or published limit. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [2](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [3](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [6](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [7](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Fiduciary Liability Insurance?

Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [9](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") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Who Designs the Product Versus Who Places It

Coalition designs and distributes fiduciary liability inside its Executive Risks suite and sells it only through appointed brokers. Relm markets fiduciary liability as a coverage those brokers can place for clients that run employee benefit plans, without stating that Relm underwrites the risk. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## What to Confirm in 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Ask Relm’s broker which carrier, form, and limit would apply to your plan assets and whether settlor or funding issues are excluded. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Confirm Coalition’s asset, employee, and plan-asset caps still fit if you grow past $500 million or 1,000 people. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- 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. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Offering Details

| Criteria | Coalition Executive Risks — Fiduciary Liability | Relm Fiduciary Liability Insurance |
| --- | --- | --- |
| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |
| 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. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23..) | The reviewed page does not name a specific issuing insurer for fiduciary liability placements. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| 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. [4](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..) | 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. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; not a guarantee of eligibility for a particular company..) |
| Coverage Features | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. [4](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..) | 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. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; the issued policy and declarations control..) |
| 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. [4](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..) | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | The reviewed fiduciary liability page does not describe dedicated plan-administration review or risk-control services beyond the general coverage description. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not found in reviewed sources; scope: Financial Lines page as read on 2026-09-23..) |
| How to Apply | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [8](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; consistent with Relm's broader broker-distribution model..) |

## Full Comparison

- [Coalition vs Relm Insurance](https://spot.insure/compare/coalition-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability insurance can help with covered claims alleging that your business or its people breached duties in managing an employee benefit plan.
- [Coalition vs Relm Insurance Crime Insurance](https://spot.insure/compare/coalition-vs-relm/crime)
- [Coalition vs Relm Insurance Cyber Insurance](https://spot.insure/compare/coalition-vs-relm/cyber)
- [Coalition vs Relm Insurance D&O Insurance](https://spot.insure/compare/coalition-vs-relm/directors-officers)
- [Coalition vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-relm/employment-practices)
- [Coalition vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-relm/professional-errors-omissions)
- [Coalition vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/coalition-vs-relm/technology-errors-omissions)
- [Alliance Risk vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/fiduciary)
- [Alliance Risk vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/fiduciary)
- [Beazley vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-coalition/fiduciary)
- [Beazley vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-relm/fiduciary)
- [Chubb vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-coalition/fiduciary)
- [Chubb vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-relm/fiduciary)

## Sources

### Coalition

1. [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.
2. [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.
3. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-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.
4. [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.
5. [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.

### Relm Insurance

6. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
7. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
8. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Fiduciary Liability Insurance: What Is Fiduciary Liability Insurance?; Make Sure Benefits Don't Backfire; What Does Fiduciary Insurance Cover?. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

9. [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.
10. [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 2026-09-23. 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.

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