Coalition vs 
USI Insurance Services: How Do They Compare for Fiduciary Liability Insurance?
Coalition distributes fiduciary as one of four Executive Risks coverages through appointed brokers only; USI Insurance Services brokers fiduciary coverage for business-services clients and provides exposure reviews and claim advocacy.
Coalition offers up to $10 million per line to eligible private and nonprofit organizations; USI’s Business Services fiduciary list includes building, repair, janitorial, staffing and printing firms. 1,3,4
What Are the Key Differences Between Coalition and USI Insurance Services Fiduciary Liability Insurance?
New Placement or Existing-Policy Review
Coalition sells fiduciary through appointed brokers as part of Executive Risks. USI can quote a new line or use ExecuSafe to look for gaps in an existing policy, so choose the review when you already have fiduciary cover and want to know what it leaves out. 1 3 4
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. 1 3 4
Published and Quote-Specific Limits
Coalition says up to $10 million per coverage line may be available. USI’s reviewed pages do not publish fiduciary limits or retentions, so its proposal must state both. 1 2 3
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. 1 3 4
What Should You Confirm in Coalition and USI Insurance Services Fiduciary Liability Insurance Quotes?
- Ask Coalition for the issuing carrier and the fiduciary limit on the Executive Risks quote. 2 1
- Ask USI which market it would approach and whether ExecuSafe is reviewing a current policy or placing a new one. 4
- Confirm Coalition’s asset and employee caps; confirm whether USI wants a local office, its business-services inbox, or its ExecuSafe inbox. 1 3 4
- If you already buy management liability, ask USI what ExecuSafe would flag on your current fiduciary wording. 4
Coalition vs USI Insurance Services Fiduciary Liability Compared
Coalition vs USI Insurance Services: Fiduciary Liability Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Fiduciary Liability | USI Fiduciary Liability Brokerage |
|---|---|---|
| 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. | 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. 3,4Company-reported. Company description of client segments for each source. |
| 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. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 3,4Company-reported. Contact instructions on each page. |
| 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. | 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. 3,4Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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. | 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. 3,4Company-reported. Business Services catalogue and ExecuSafe article. |
