Coalition vs Risklytics D&O Insurance

Coalition’s Executive Risks D&O posts a $10 million cap and Zurich paper; Risklytics places venture D&O and cites a typical $1–3 million ask.

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,^2,^3,⁴

Read the Coalition profile

What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. ^6,^7,⁸

Read the Risklytics profile

What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. ¹¹

Read the full coverage guide

Key Differences in D&O Insurance

Appointed Brokers Versus Online Producer Application

Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers, with Zurich American as the admitted carrier and unaffiliated insurers on some placements. ⁴ ⁵ Risklytics describes itself as a licensed producer for this line, not Coalition’s appointed-broker channel. ⁶

Risklytics Insurance Services describes itself as a licensed producer (NPN 22311838) that places D&O with outside carriers, does not underwrite, and starts coverage through its online application, saying there is no broker fee on top of premium and commission is paid by the carrier. ⁶ ¹⁰ You cannot bind Coalition D&O on a self-serve site; Risklytics’s reviewed path starts online.

Typical Venture Ask Versus Per-Line Cap

Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies and says the norm is buying D&O at or before the first priced round because term sheets and incoming board members require it. ⁹ Coalition publishes a higher per-line maximum with size gates, not that typical-ask band. ⁴

Coalition says limits up to $10 million per coverage line may be available for private and not-for-profit U.S. organizations with up to $500 million in assets and up to 1,000 employees. ⁴ Those published figures are different scales: a typical seed-to-Series ask versus a program maximum with size gates.

What to Confirm in D&O Insurance Quotes

Ask Risklytics which specialist insurer is quoting and whether robotics, autonomy or AI activity is accepted. ⁹
Compare the quoted limit with Risklytics’s $1–3 million typical ask and Coalition’s $10 million per-line figure. ⁹ ⁴
Confirm Coalition private/NFP and size eligibility. ⁴
Confirm fee treatment on the Risklytics binder and whether Coalition paper is Zurich admitted or unaffiliated. ¹⁰ ⁵

Offering Details

Coalition vs Risklytics D&O Insurance: documented features by provider

Criteria	Coalition Executive Risks — Directors and Officers Liability (D&O)	Risklytics Directors & Officers Insurance
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. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Directors & Officers Insurance with outside carriers; it says it does not underwrite policies itself. ⁶Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
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. ⁵Company-reported. U.S. Disclaimers page as read on 2026-09-23.	Risklytics does not name the carrier that underwrites Risklytics Directors & Officers Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^9,⁶Company-reported. Lines page and about page; no specific insurer is published for this line.
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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23.	Risklytics says the norm is buying D&O at or before a startup's first priced round, since term sheets and incoming board members typically require it as a closing condition. ⁹Company-reported. Lines page.
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. ⁴Company-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.	Risklytics describes D&O as protecting a founder's personal assets when an investor or regulator sues over how the company was run, citing an investor suit after a down round and a regulator inquiry into AI capability claims as examples, and distinguishes it from Tech E&O, which answers a customer's product-failure claim instead. ⁹Company-reported. Lines page; the issued policy and declarations control actual coverage.
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. ⁴Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.	Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. ⁹Company-reported. Lines page; actual limits are set on the bound policy.
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. ⁴Company-reported. Executive Risks page and FAQ as read on 2026-09-23.	Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. ⁹Company-reported. Lines page.
How to Apply	Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. ⁴Company-reported. Executive Risks product page as read on 2026-09-23.	You start Risklytics Directors & Officers Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^10,⁶Company-reported. Pricing page describes the general application and fee process, not a line-specific form.

Full Comparison

More Coalition vs Risklytics Comparisons

Other D&O Insurance Comparisons

Sources

Coalition

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.
U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
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.
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.

Risklytics

About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
Directors & Officers Insurance. Risklytics; Coverage line: Directors & Officers; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

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.