---
title: "Coalition vs Risklytics: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-risklytics/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-risklytics"
provider-a: "coalition"
provider-b: "risklytics"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/coalition-vs-risklytics/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Coalition and Risklytics for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Coalition versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Coalition vs Risklytics for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Coalition or Risklytics?
- What does Coalition or Risklytics publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Coalition and Risklytics.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Coalition vs Risklytics](https://spot.insure/compare/coalition-vs-risklytics) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 a venture-backed startup apply for D&O online with no broker fee, typically for $1 million to $3 million, while Coalition's D&O comes only through a broker but scales to $10 million for private companies and nonprofits.

## Coalition vs Risklytics D&O Insurance Summary

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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## 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](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance")
- 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](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Ask Coalition whether D&O has its own limit or shares one across the Executive Risks suite. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Coalition vs Risklytics D&O Insurance Compared

| 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. [1](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. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [1](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. [3](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. [1](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. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](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..) |
| 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. [1](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. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: 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. [1](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. [4](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. [2](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. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [4](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..) |
| 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. [1](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. [3](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About Coalition and Risklytics and D&O Insurance

- [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Coalition vs Risklytics D&O Insurance

- [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): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Coalition D&O Insurance](https://spot.insure/insurance-providers/coalition/directors-officers)
- [Risklytics D&O Insurance](https://spot.insure/insurance-providers/risklytics/directors-officers)

## Sources for Coalition vs Risklytics D&O Insurance

### Sources About Coalition

1. [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.
2. [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.

### Sources About Risklytics

3. [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.
4. [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.
5. [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.

Updated 2026-09-29. 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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