Coalition vs 
RiskCube: How Do They Compare for Fiduciary Liability Insurance?
Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only; RiskCube lists the line in its startup catalogue and describes cover for directors, officers, and plan administrators.
Coalition caps eligibility at $500 million in assets and plan assets and 1,000 employees; RiskCube flags fiduciary as a startup coverage many institutional investors require. 1,3
What Are the Key Differences Between Coalition and RiskCube Fiduciary Liability Insurance?
How You Reach a Quote
Coalition sells fiduciary only through appointed brokers. RiskCube’s “Learn more” link opens a general contact form rather than a dedicated fiduciary application. Choose Coalition if you already have an appointed broker; choose RiskCube if you want to start with a general startup-insurance inquiry about investor-required fiduciary cover. 1 4
Limits You Can See in Public Materials
Coalition says limits up to $10 million per coverage line may be available, subject to exclusions. RiskCube’s catalogue card and contact page do not publish fiduciary limits, retentions, or premiums. 1 3
What Should You Confirm in Coalition and RiskCube Fiduciary Liability Insurance Quotes?
- Get Coalition’s issuing insurer (Zurich admitted versus unaffiliated surplus) and the per-line fiduciary limit on the quote. 2 1
- Ask RiskCube which carrier would issue the policy and what limit and retention apply; those figures are not on the catalogue card. 3
- Check Coalition’s plan-asset and employee caps against your actual 401(k) or health-plan size. 1
- Ask RiskCube whether stock-option programs, health benefits, and 401(k) plans are all on the placed form the way the catalogue describes them. 3
Coalition vs RiskCube Fiduciary Liability Insurance Compared
Coalition vs RiskCube: Fiduciary Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Fiduciary Liability | RiskCube 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. | RiskCube's catalogue says fiduciary liability coverage is "required by many institutional investors," positioning it as an investor-driven purchase rather than a coverage every startup is expected to carry from day one. 3Company-reported. Catalogue marketing description, not an underwriting eligibility rule. |
| 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. | RiskCube's catalogue describes fiduciary liability as covering directors, officers and plan administrators against claims of mismanaging employee benefit plans, including 401(k) plans, health benefits and stock option programs. 3Company-reported. One-paragraph catalogue card; no policy form or exclusion list was found for this line. |
| 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. | RiskCube lists Fiduciary Liability Insurance as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. 3Company-reported. Catalogue-level description; no fiduciary-liability-specific product page exists to confirm additional role detail. |
