--- title: "Coalition vs StartupInsurance.ai Fiduciary Liability Insurance" description: "Coalition sells broker-only Executive Risks fiduciary cover with size caps; StartupInsurance.ai places the line through an online intake." canonical: "https://spot.insure/compare/coalition-vs-startupinsurance/fiduciary" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/coalition-vs-startupinsurance/fiduciary) # Coalition vs StartupInsurance.ai Fiduciary Liability Insurance Coalition sells broker-only Executive Risks fiduciary cover with size caps; StartupInsurance.ai places the line through an online intake. ## Research Scope and Use Use this comparison to evaluate Coalition and StartupInsurance.ai for Fiduciary Liability 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 includes fiduciary liability in Executive Risks with up to $10 million per line and named admitted paper. StartupInsurance.ai places fiduciary among seven startup lines, with an online coverage checkbox and a policy check for AI exclusions on fiduciary forms. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") ## 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 StartupInsurance.ai? StartupInsurance.ai is a marketing brand of ContractorNerd Insurance Services, LLC, offering startup insurance placement and policy reviews. Buyers can begin with an online coverage selection or a review of existing policies and contract requirements. [6](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) ## What Is Fiduciary Liability Insurance? Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. [9](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## Key Differences in Fiduciary Liability Insurance ### How You Buy Coalition distributes fiduciary liability only through appointed brokers as part of Executive Risks. StartupInsurance.ai lists fiduciary as one of the lines its startup program places and includes “Fiduciary” as a coverage box on an online quote-intake screen described as covering claims related to employee benefit plan management. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") ### 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ### Insurer Named on the Reviewed Pages Coalition’s disclaimer names Zurich American Insurance Company for admitted Executive Risks and says Coalition Insurance Solutions, Inc. also places the suite with unaffiliated insurers on a non-admitted basis. StartupInsurance.ai’s reviewed pages do not name a fiduciary-specific insurer; its carrier panel is program-wide. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ### 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") ## What to Confirm in Fiduciary Liability Insurance Quotes - Ask Coalition whether the fiduciary limit is $10 million or lower and whether Zurich or another insurer issues the policy. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") - Ask StartupInsurance.ai which carrier and form it would place and whether that form carries a blanket AI exclusion. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - Confirm Coalition’s employee, asset, and plan-asset caps still match your headcount and 401(k) size. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") - If you already have a fiduciary policy, ask StartupInsurance.ai what its 48-hour policy check would report on AI exclusions in that form. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") ## Offering Details | Criteria | Coalition Executive Risks — Fiduciary Liability | StartupInsurance.ai Fiduciary Liability Insurance | | --- | --- | --- | | 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Coverage: What we place" list as read on 2026-09-23..) | | 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 fiduciary 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..) | The reviewed pages do not name an insurer for fiduciary liability specifically; the homepage's carrier panel is program-wide and not broken out by coverage line. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel as read on 2026-09-23..) | | Who It’s For | Coalition says Executive Risks products, including fiduciary liability, 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; the plan-assets cap is directly relevant to fiduciary eligibility..) | Not described in the reviewed sources. | | Coverage Features | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. [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..) | 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. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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..) | | Limits and Retentions | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including fiduciary liability, 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..) | Not described in the reviewed sources. | | Risk Services | Not described in the reviewed sources. | StartupInsurance.ai's free policy check reviews an existing program for AI exclusions within 48 hours, and the homepage specifically calls out fiduciary as one of the forms affected by the AI-exclusion trend it checks for. [8](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's fiduciary policy..) | | How to Apply | Coalition distributes Executive Risks, including fiduciary liability, 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..) | "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." [7](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) | ## Full Comparison - [Coalition vs StartupInsurance.ai](https://spot.insure/compare/coalition-vs-startupinsurance): all coverage lines, business roles, service and claims. - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability insurance can help with covered claims alleging that your business or its people breached duties in managing an employee benefit plan. - [Coalition vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/coalition-vs-startupinsurance/directors-officers) - [Coalition vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/coalition-vs-startupinsurance/technology-errors-omissions) - [Alliance Risk vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/fiduciary) - [Alliance Risk vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/fiduciary) - [Beazley vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-coalition/fiduciary) - [Beazley vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-startupinsurance/fiduciary) - [Chubb vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-coalition/fiduciary) - [Chubb vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-startupinsurance/fiduciary) ## 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: Fiduciary Liability — provides coverage for claims of mismanagement of employee benefits and pension plans; 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. ### StartupInsurance.ai 6. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16. 7. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Fiduciary — “Covers claims related to employee benefit plan management”. Accessed 2026-09-23. 8. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Coverage: What we place; Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); The free policy check. Accessed 2026-09-23. ### Fiduciary Liability Insurance Guide 9. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16. 10. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16. Updated 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/coalition-vs-startupinsurance/fiduciary.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)