Coalition vs 
StartupInsurance.ai: How Do They Compare for Fiduciary Liability Insurance?
Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only; StartupInsurance.ai lists fiduciary in its startup quote intake and checks policies for AI exclusions.
StartupInsurance.ai screens fiduciary renewals for a blanket AI exclusion; Coalition serves private and nonprofit organizations up to $500 million in assets and 1,000 employees. 1,3,4
What Are the Key Differences Between Coalition and StartupInsurance.ai Fiduciary Liability Insurance?
How You Buy
Coalition sells fiduciary through appointed brokers as part of Executive Risks. StartupInsurance.ai includes fiduciary as a checkbox in its online startup quote intake, giving buyers a digital starting point; neither reviewed page identifies the policy issuer for this line. 1 3 4
Coverage Wording Called Out in Public Materials
Coalition says fiduciary liability covers claims of mismanagement of employee benefits and pension plans. StartupInsurance.ai describes the checkbox as covering claims related to employee benefit plan management, and separately says one major carrier added a blanket AI exclusion to fiduciary forms (along with D&O and E&O), often at renewal. 1 4 3
Published Limits
Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including fiduciary liability. StartupInsurance.ai’s reviewed homepage and quote-intake screen do not publish a fiduciary limit, retention, or premium. 1 3 4
What Should You Confirm in Coalition and StartupInsurance.ai Fiduciary Liability Insurance Quotes?
- Ask Coalition whether the fiduciary limit is $10 million or lower and whether Zurich or another insurer issues the policy. 1 2
- Ask StartupInsurance.ai which carrier and form it would place and whether that form carries a blanket AI exclusion. 3
- Confirm Coalition’s employee, asset, and plan-asset caps still match your headcount and 401(k) size. 1
- If you already have a fiduciary policy, ask StartupInsurance.ai what its 48-hour policy check would report on AI exclusions in that form. 3
Coalition vs StartupInsurance.ai Fiduciary Liability Compared
Coalition vs StartupInsurance.ai: Fiduciary Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Fiduciary Liability | StartupInsurance.ai Fiduciary Liability Insurance |
|---|---|---|
| How to Apply | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. 1Company-reported. Executive Risks product page as read on 2026-09-23. | "Fiduciary" is one of seven coverage boxes on StartupInsurance.ai's online quote-intake screen, described there as covering "claims related to employee benefit plan management." 4Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line. |
| 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. | StartupInsurance.ai says one major carrier added a blanket AI exclusion to fiduciary forms (along with D&O and E&O), typically arriving at renewal inside an endorsement, and that it checks policies for this exclusion. 3Company-reported. Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed fiduciary policy carries this specific endorsement. |
| 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. | StartupInsurance.ai names fiduciary liability as one of the lines its startup program places, alongside general liability, D&O, tech E&O, cyber, employment practices and crime. 3Company-reported. Homepage "Coverage: What we place" list as read on 2026-09-23. |
