--- title: "Coalition vs TechInsurance: D&O Insurance" description: "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." canonical: "https://spot.insure/compare/coalition-vs-techinsurance/directors-officers" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "coalition-vs-techinsurance" provider-a: "coalition" provider-b: "techinsurance" coverage-line: "directors-officers" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/coalition-vs-techinsurance/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Coalition and TechInsurance 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 TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Coalition vs TechInsurance for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Coalition or TechInsurance? - What does Coalition or TechInsurance publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: Coalition and TechInsurance. - 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 TechInsurance](https://spot.insure/compare/coalition-vs-techinsurance) — 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 - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # 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 lets small tech companies add D&O to a general liability or business owner's policy at a median $133 a month, while Coalition sells a broker-only Executive Risks D&O with limits up to $10 million for private companies and nonprofits. ## Coalition vs TechInsurance D&O Insurance Summary 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ## 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") ### 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") Coalition publishes no premium. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") 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](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") TechInsurance's D&O page doesn't name who issues the policy. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") ## 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Get a TechInsurance quote with the limit and deductible stated; don't budget on the $133 median alone. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Check the retroactive date on TechInsurance's claims-made form so earlier decisions stay covered. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") - Ask Coalition's broker whether you'd be on Zurich American or an unaffiliated insurer. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") ## Coalition vs TechInsurance D&O Insurance Compared | 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. [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..) | 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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [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..) | 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). [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [3](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) | ## About Coalition and TechInsurance and D&O Insurance - [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews) - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers) ## Related Pages for Coalition vs TechInsurance D&O Insurance - [Coalition vs TechInsurance](https://spot.insure/compare/coalition-vs-techinsurance): 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) - [TechInsurance D&O Insurance](https://spot.insure/insurance-providers/techinsurance/directors-officers) ## Sources for Coalition vs TechInsurance 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 TechInsurance 3. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). 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. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/coalition-vs-techinsurance/directors-officers.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)