Coalition vs 
USI Insurance Services Fiduciary Liability Insurance
Coalition issues a sized Executive Risks fiduciary product; USI brokers the line and reviews existing policies through ExecuSafe.
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 USI Insurance Services?
USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. 6,7,8
What Is Fiduciary Liability Insurance?
Fiduciary liability insurance addresses covered claims alleging breaches of duties in managing employee benefit plans. 11,12
Key Differences in Fiduciary Liability Insurance
Product Designer Versus Broker Review
Coalition designs fiduciary liability inside Executive Risks and distributes it through appointed brokers. USI brokers the line, placing it on its own or reviewing it inside a management-liability program under the ExecuSafe endorsement package. 4 9 10
Stated Size Caps Versus Segment Lists
Coalition publishes eligibility for private and not-for-profit U.S. organizations up to $500 million in assets, 1,000 employees, and $500 million in plan assets. USI’s Business Services practice names building and maintenance, repair, janitorial, staffing, and printing companies as catalogue segments that include fiduciary liability, while ExecuSafe targets small- and medium-sized businesses for management-liability review. 4 9 10
Limits and Insurer Names
Coalition says up to $10 million per coverage line may be available and names Zurich for admitted Executive Risks. USI’s reviewed pages do not name a fiduciary insurer and do not publish limits or retentions. 4 5 9
Services Around the Policy
Coalition’s reviewed Executive Risks materials do not describe a fiduciary-specific plan-review service. USI says Business Services includes classification and exposure reviews, claim advocacy, and risk control across lines including fiduciary, and ExecuSafe specifically looks for gaps in existing fiduciary policies. 4 9 10
What to Confirm in Fiduciary Liability Insurance Quotes
- Ask Coalition for the issuing carrier and the fiduciary limit on the Executive Risks quote. 5 4
- Ask USI which market it would approach and whether ExecuSafe is reviewing a current policy or placing a new one. 10
- Confirm Coalition’s asset and employee caps; confirm whether USI wants a local office, its business-services inbox, or its ExecuSafe inbox. 4 9 10
- If you already buy management liability, ask USI what ExecuSafe would flag on your current fiduciary wording. 10
Offering Details
Coalition vs USI Insurance Services Fiduciary Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Fiduciary Liability | USI Fiduciary Liability Brokerage |
|---|---|---|
| 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. 4Company-reported. Executive Risks product page as read on 2026-09-23. | USI brokers fiduciary liability coverage, which protects a company and its plan fiduciaries against claims of mismanaging an employee benefit plan; USI places it individually or reviews it as part of a management liability program under its ExecuSafe endorsement package. 9,10Company-reported. Business Services catalogue and ExecuSafe article. |
| 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. 5Company-reported. U.S. Disclaimers page as read on 2026-09-23. | Neither page names the insurer USI uses for fiduciary liability placements. 9Not publicly disclosed. Pages 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. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; the plan-assets cap is directly relevant to fiduciary eligibility. | USI's Business Services practice targets building and maintenance, repair service, janitorial, staffing and printing companies for its broader coverage catalogue, which includes fiduciary liability; the ExecuSafe article separately targets small- and medium-sized businesses generally for management liability review. 9,10Company-reported. Company description of client segments for each source. |
| Coverage Features | Coalition says fiduciary liability provides coverage for claims of mismanagement of employee benefits and pension plans. 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. | USI lists fiduciary liability among the coverages it places for business-services clients, and separately says its ExecuSafe review looks for gaps in a client's existing fiduciary liability coverage as part of a management liability review. 9,10Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. |
| 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. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | Neither page publishes fiduciary liability limit or retention figures. 9Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines, including fiduciary liability, and its ExecuSafe process specifically reviews existing fiduciary liability policies for coverage gaps. 9,10Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
| How to Apply | Coalition distributes Executive Risks, including fiduciary liability, only through appointed insurance brokers rather than direct to buyers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 9,10Company-reported. Contact instructions on each page. |
Full Comparison
More Coalition vs USI Insurance Services Comparisons
Other Fiduciary Liability 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: 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.
- 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.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Fiduciary Liability... Accessed 2026-09-23.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). Accessed 2026-09-23.
Fiduciary Liability Insurance Guide
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
- Fiduciary Liability Insurance. Travelers; What Is Fiduciary Liability Insurance? Accessed 2026-09-16.
