Coalition vs 
Travelers: How Do They Compare for Fiduciary Liability Insurance?
Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only; Travelers underwrites fiduciary liability within Management & Professional Liability and sells through independent agents.
Coalition offers up to $10 million per Executive Risks line to private and nonprofit groups within its employee and asset caps; Travelers names broader buyer types but publishes no policy limits. 1,2,3
What Are the Key Differences Between Coalition and Travelers Fiduciary Liability Insurance?
How You Buy
Coalition sells Executive Risks, including fiduciary, only through appointed brokers. Travelers sells fiduciary through an independent agent. Ask whether your current broker is appointed with Coalition or whether a Travelers agent can quote the management-liability package. 1 3
Limits on the Public Page
Coalition publishes a possible $10 million per-line limit for Executive Risks products. Travelers’ reviewed fiduciary page does not publish limits or retentions; it cites industry claim-cost examples as risk context, not as policy terms. 1 3
What Should You Confirm in Coalition and Travelers Fiduciary Liability Insurance Quotes?
- If you are a public company or a bank, ask whether Coalition’s private/not-for-profit Executive Risks rules apply at all, and compare that with Travelers’ stated audiences. 1 3
- Record the issuing legal entity on both quotes: Zurich or another Coalition placement versus a Travelers affiliate. 2 3
- Ask Coalition for the fiduciary limit within the $10 million per-line statement; ask Travelers for the actual limit and retention, which are not on the product page. 1 3
- Confirm both forms cover personal ERISA liability for individuals who manage retirement or health plans, not only the company. 1 3
Coalition vs Travelers Fiduciary Liability Insurance Compared
Coalition vs Travelers: Fiduciary Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Fiduciary Liability | Travelers Fiduciary Liability Insurance |
|---|---|---|
| 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. 1Company-reported. Executive Risks FAQ as read on 2026-09-23; the plan-assets cap is directly relevant to fiduciary eligibility. | Travelers markets fiduciary liability coverage to financial institutions, nonprofit organizations, private companies and public companies. 3Company-reported. Product page "Who is fiduciary liability insurance right for?" section. |
| 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 liability coverage is bought through a Travelers independent agent. 3Company-reported. Product page "Find an insurance agent" call to action. |
| 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. | Travelers says fiduciary liability coverage protects companies and individuals who manage a company-sponsored retirement or health plan from claims of mismanagement and personal liability for breach of fiduciary duty under ERISA, including litigation costs and errors or omissions in plan administration. 3Company-reported. Product page "What Is Fiduciary Liability Insurance?" and "What does fiduciary liability insurance cover?" sections; exact terms and exclusions are set by the issued policy. |
| 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. | Travelers underwrites fiduciary liability insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 3Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance 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 fiduciary policy depends on the placement route. 2Company-reported. U.S. Disclaimers page as read on 2026-09-23. | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 3Company-reported. Product page video legal footer. |
