Coalition vs Risklytics: How Do They Compare for D&O Insurance?

Risklytics lists a $1 million to $3 million typical limit ask for venture-backed D&O; Coalition distributes Executive Risks through appointed brokers to private and nonprofit organizations, with limits up to $10 million per line potentially available.

Risklytics lets venture-backed startups apply for D&O online with no broker fee, and says most ask for $1M to $3M at or before their first priced round. Coalition sells D&O only through appointed brokers, with limits up to $10M for private companies and nonprofits with up to $500M in assets. ^5,^4,^3,¹

What Are the Key Differences Between Coalition and Risklytics D&O Insurance?

Online Startup Application vs Broker-Sold Suite With Higher Limits

Risklytics calls D&O easy to get for venture-backed companies with a clean story and keeps a licensed producer on your file until it binds; it looks for insurers that will write robotics, autonomy and AI risk. Coalition packages D&O with EPL, fiduciary and crime in Executive Risks and adds a risk assessment, an HR and director hotline and training. Choose Risklytics if you're a venture-backed startup, especially in robotics or AI, that needs $1M to $3M to close a round; choose Coalition if you're a larger private company or nonprofit, up to 1,000 employees, that wants more limit and prevention tools through your broker. ³ ⁵ ¹

What Each Says D&O Is For

Risklytics frames D&O around founder scenarios, such as an investor suing after a down round or a regulator questioning your AI capability claims, and separates it from Tech E&O, which answers customer product-failure claims. Coalition describes it more broadly as protection against alleged breaches of duty or financial mismanagement. ³ ¹

What Should You Confirm in Coalition and Risklytics D&O Insurance Quotes?

Ask Risklytics which insurer is quoting and whether your AI or robotics work is excluded. ³
Ask your broker whether Coalition's quote is issued by Zurich American on an admitted basis or by another insurer on a non-admitted basis. ²
Ask Coalition whether D&O has its own limit or shares one across the Executive Risks suite. ¹

Coalition vs Risklytics D&O Insurance Compared

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

Criteria	Coalition Executive Risks — Directors and Officers Liability (D&O)	Risklytics Directors & Officers Insurance
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. ¹Company-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. ³Company-reported. Lines page; actual limits are set on the bound policy.
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. ¹Company-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. ³Company-reported. Lines page.
How to Apply	Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. ¹Company-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. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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. 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.	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. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
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. ¹Company-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. ⁴Company-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. ²Company-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. ^3,⁴Company-reported. Lines page and about page; no specific insurer is published for this line.
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. ¹Company-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. ³Company-reported. Lines page.