Coalition vs TechInsurance: How Do They Compare for D&O Insurance?

TechInsurance reports a $133 monthly median D&O premium and describes standalone or add-on access; Coalition distributes Executive Risks through appointed brokers, with limits up to $10 million per line potentially available.

TechInsurance sells D&O on its own or as an add-on to a general liability or business owner's policy, and says policyholders pay a median $133 a month. Coalition sells D&O only through brokers as part of Executive Risks, with limits up to $10 million. ^1,³

What Are the Key Differences Between Coalition and TechInsurance D&O Insurance?

Cheap Add-On vs a Dedicated Executive-Risk Program

TechInsurance targets any company with an active board, including venture-backed startups and nonprofits, and lets you bolt D&O onto a general liability or business owner's policy you may already have. ³ Coalition's D&O sits in its four-part Executive Risks suite for US private companies and nonprofits with up to $500 million in assets and 1,000 employees, sold only through appointed brokers. ¹ Choose TechInsurance if you are a small tech company that wants basic D&O added to an existing policy at a known price point; choose Coalition if you need higher limits or want D&O alongside other executive-risk cover through a broker. ³ ¹

Only TechInsurance Publishes a Price

TechInsurance's median is $133 a month, and it says your premium moves with limits, deductible, location, industry, headcount, revenue, claims history and IPO potential. ³ Coalition publishes no premium. ¹ The median is a budgeting guide, not your quote and not a Coalition price.

Known Insurer at Coalition

Coalition names Zurich American as its admitted insurer and also places with unaffiliated insurers. ² TechInsurance's D&O page doesn't name who issues the policy. ³

What Should You Confirm in Coalition and TechInsurance D&O Insurance Quotes?

Ask TechInsurance whether your D&O would be standalone or an add-on to your general liability or business owner's policy, and which insurer issues it. ³
Get a TechInsurance quote with the limit and deductible stated; don't budget on the $133 median alone. ³
Check the retroactive date on TechInsurance's claims-made form so earlier decisions stay covered. ³
Ask Coalition's broker whether you'd be on Zurich American or an unaffiliated insurer. ²

Coalition vs TechInsurance D&O Insurance Compared

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)
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. ¹Company-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. ³Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
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. ¹Company-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. ³Company-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. 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.	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). ³Company-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. ³Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.
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. ¹Company-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. ³Company-reported. D&O product page.