---
title: "Coalition vs Risklytics D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-risklytics/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Coalition and Risklytics for D&O 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 D&O inside Executive Risks for private and not-for-profit U.S. organizations under size gates, sold through appointed brokers, while Risklytics describes itself as a licensed producer that places D&O with unnamed specialist insurers, saying venture-backed companies typically buy at or before the first priced round and often ask for $1 million to $3 million. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## 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 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](https://www.risklytics.ai/about/ "About Risklytics: who we are") [7](https://www.risklytics.ai/ "Insurance for Frontier Tech") [8](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Directors and Officers Insurance?

Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. [11](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") Risklytics describes itself as a licensed producer for this line, not Coalition’s appointed-broker channel. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are")

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](https://www.risklytics.ai/about/ "About Risklytics: who we are") [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") Coalition publishes a higher per-line maximum with size gates, not that typical-ask band. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")
- Compare the quoted limit with Risklytics’s $1–3 million typical ask and Coalition’s $10 million per-line figure. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Confirm Coalition private/NFP and size eligibility. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Confirm fee treatment on the Risklytics binder and whether Coalition paper is Zurich admitted or unaffiliated. [10](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## Offering Details

| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [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..) | Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | Coalition distributes Executive Risks, including D&O, 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..) | 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [Coalition vs Risklytics](https://spot.insure/compare/coalition-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business.
- [Coalition vs Risklytics Cyber Insurance](https://spot.insure/compare/coalition-vs-risklytics/cyber)
- [Coalition vs Risklytics Tech E&O Insurance](https://spot.insure/compare/coalition-vs-risklytics/technology-errors-omissions)
- [Alliance Risk vs Coalition D&O Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/directors-officers)
- [Alliance Risk vs Risklytics D&O Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/directors-officers)
- [Amelia Risk vs Coalition D&O Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/directors-officers)
- [Amelia Risk vs Risklytics D&O Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/directors-officers)
- [Beazley vs Coalition D&O Insurance](https://spot.insure/compare/beazley-vs-coalition/directors-officers)
- [Beazley vs Risklytics D&O Insurance](https://spot.insure/compare/beazley-vs-risklytics/directors-officers)

## 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: 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.
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.

### Risklytics

6. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
7. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
8. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
9. [Directors & Officers Insurance](https://www.risklytics.ai/lines/management/). 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.
10. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). 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

11. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.

Updated 2026-09-24. 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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