--- title: "Coalition D&O Insurance" description: "Everything to know before buying Coalition D&O Insurance: what it covers, who it’s for, and its limits and retentions." canonical: "https://thegeneralaverage.com/insurance-providers/coalition/directors-officers" page-type: "offering-page" updated-at: "2026-09-23" provider: "coalition" 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 the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, 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://thegeneralaverage.com/insurance-providers/coalition/directors-officers) ## Agent Guide **What this page is:** What Coalition D&O Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Coalition D&O Insurance specifically. For the general coverage explainer use /coverage/directors-officers; for the provider overall use its profile. **Questions this page answers:** - Does Coalition D&O Insurance offer this coverage? - What does Coalition D&O Insurance cover and exclude? - Who is Coalition D&O Insurance designed for? **Key facts:** - Provider slug `coalition`; coverage line `directors-officers`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/coalition) — parent: provider profile # What Does D&O Insurance from Coalition Cover? Product: Coalition Executive Risks — Directors and Officers Liability (D&O). Provider: Coalition. Coverage line: D&O Insurance. ## Quick Answer Coalition sells D&O insurance through appointed brokers to private and not-for-profit U.S. organizations with up to 1,000 employees, protecting leaders from liability for business decisions. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") ## Coalition D&O Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Company-reported | 1 | | Risk Services | Company-reported | 1 | | How to Apply | Company-reported | 1 | ## What Is Coalition’s Role in D&O Insurance? - 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.) ## Who Issues Coalition D&O Insurance? - 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 D&O policy depends on the placement route. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23.) ## Who Is Coalition D&O Insurance 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.) ## What Coverage Features Does Coalition D&O Insurance Include? - 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.) ## What Limits and Retentions Does Coalition D&O Insurance Have? - 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.) ## What Risk Services Come With Coalition D&O Insurance? - Coalition says Executive Risks policyholders, including D&O buyers, get a customized risk assessment, a hotline for assistance with HR and director/officer-related issues, employee training, a handbook builder, and website compliance tools. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks page and FAQ as read on 2026-09-23.) ## How Do You Apply for Coalition D&O Insurance? - Coalition distributes Executive Risks, including D&O, only through appointed insurance brokers rather than direct to buyers. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23.) ## How Does Coalition Compare With Other D&O Insurance Providers? - [Coalition vs AIG](https://thegeneralaverage.com/compare/aig-vs-coalition) - [Coalition vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-coalition) - [Coalition vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-coalition) - [Coalition vs Aon](https://thegeneralaverage.com/compare/aon-vs-coalition) - [Coalition vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-coalition) - [Coalition vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-coalition) ## Other Coverage Lines From Coalition - [Coalition Crime Insurance](https://thegeneralaverage.com/insurance-providers/coalition/crime) - [Coalition Cyber Insurance](https://thegeneralaverage.com/insurance-providers/coalition/cyber) - [Coalition Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/coalition/employment-practices) - [Coalition Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/coalition/fiduciary) - [Coalition Media Liability Insurance](https://thegeneralaverage.com/insurance-providers/coalition/media) - [Coalition Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/coalition/professional-errors-omissions) - [Coalition Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/coalition/technology-errors-omissions) ## Related Reading - [Coalition Profile](https://thegeneralaverage.com/insurance-providers/coalition) - [Coalition Reliability](https://thegeneralaverage.com/insurance-providers/coalition/reliability) - [Coalition Alternatives](https://thegeneralaverage.com/insurance-providers/coalition/alternatives) - [Coverage Guide: Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) ## Sources for Coalition D&O Insurance 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. ## How to Cite This Page Coalition D&O Insurance: Coverage, Eligibility, Limits & More (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/coalition/directors-officers. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-providers/coalition/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://thegeneralaverage.com/llms.txt)