Coalition vs 
TechInsurance D&O Insurance
Coalition’s Executive Risks D&O is broker-sold with a $10 million cap; TechInsurance arranges D&O standalone or on a BOP/GL endorsement.
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. 1,2,3,4
What Is TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 6,7
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 9
Key Differences in D&O Insurance
Who Issues Versus Who Arranges
Coalition designs D&O as one of four coverages in Executive Risks, sold only through appointed brokers, and names Zurich American as the admitted carrier while also placing with unaffiliated insurers. 4 5 TechInsurance arranges D&O; the reviewed page does not name the issuing insurer. 8 A Coalition quote can be Zurich admitted paper or another insurer; a TechInsurance quote is whoever that broker binds.
How D&O Is Packaged
Coalition’s D&O sits in the Executive Risks suite next to the other three coverages in that program. 4 TechInsurance says D&O can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner’s policy. 8 One path is an executive-risks module; the other is standalone paper or a GL/BOP add-on.
Who Is Described as Eligible
Coalition says Executive Risks D&O is for private and not-for-profit U.S. organizations with up to $500 million in assets and up to 1,000 employees. 4 TechInsurance targets companies with an active board, including venture-backed startups and nonprofits. 8 Coalition’s described gates are numeric private/NFP rules; TechInsurance’s described audience is any company with an active board.
Whether a Premium Figure Is Published
TechInsurance says D&O policyholders pay a median of $133 per month, with premium depending on limits, deductible, jurisdiction, industry, headcount, revenue, claims history and IPO potential. 8 Coalition’s reviewed Executive Risks page does not publish a premium. 4 Treat TechInsurance’s median as context, not a Coalition price, and not as your quoted premium.
What to Confirm in D&O Insurance Quotes
- Ask TechInsurance whether D&O would be standalone, a GL endorsement or a BOP endorsement, and who issues it. 8
- Do not treat the $133 median as your premium; get a quote with limit and deductible. 8
- Confirm Coalition private/NFP, asset and employee rules and Zurich versus unaffiliated paper. 4 5
- Confirm claims-made retroactive dates on the TechInsurance form. 8
Offering Details
Coalition vs TechInsurance D&O Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Directors and Officers Liability (D&O) | TechInsurance Directors and Officers Insurance (D&O) |
|---|---|---|
| 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. 4Company-reported. Executive Risks product page as read on 2026-09-23. | TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. 8Company-reported. D&O product page. |
| 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. 5Company-reported. U.S. Disclaimers page as read on 2026-09-23. | The reviewed page does not name the issuing insurer for a D&O policy. 8Not publicly disclosed. D&O product page as read on 2026-09-23. |
| 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. 4Company-reported. Executive Risks FAQ as read on 2026-09-23. | TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. 8Company-reported. D&O product page, Who needs D&O insurance coverage? section. |
| 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. 4Company-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. | TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). 8Company-reported. D&O product page; general policy description, not a specific policy form. TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. 8Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections. |
| 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. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. 8Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| 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. 4Company-reported. Executive Risks page and FAQ as read on 2026-09-23. | Not described in the reviewed sources. |
| How to Apply | Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More Coalition vs TechInsurance Comparisons
Other D&O Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. 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.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- 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.
- Executive Risks. 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.
- U.S. Disclaimers. 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.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Directors and Officers Insurance (D&O) Quotes Online. TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). Accessed 2026-09-23.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
