What are the top coverage highlights?
We have a very competitive form, including:
100% defense allocation
Standard retentions as low as $2,500
No settlement/hammer clause for D&O and 90/10 for EPL
Defense outside the limits up to $1m (available in most industries)
Wage and hour coverage up to $250k (endorsement added by default in most states/industries)
Workplace violence coverage up to $250k (available in most industries)
Retention reduction of 10% when the insured accepts the first settlement opportunity
Some coverages are subject to underwriting.
What is your appetite?
We'd love to see all your submissions, but our appetite guide is available here.
Are there any areas where you decline?
We write D&O coverage in all states except KY and AK.
We write EPL in all states except CA, KY and AK.
Do you have minimum premiums?
We go as low as $750 for most states and $1,000 in CA (for both D&O and EPL).
What retentions do you offer?
We offer very competitive retentions - as low as $2,500 for private company D&O and $2,000 for EPL. Our D&O retention for not-for-profits starts as low as $1,000.
What risk management tools will you have?
We have our Coalition Executive Risks Assessment, mid-term notifications to brokers, a pre-claims hotline for D&O and EPL concerns, checklists for common issues (like vaccines in the workplace), templates for things like employment applications, and targeted training sessions.
Do you consider accounts with claims?
We consider accounts with claims. The best fit for us are closed claims with losses below the retention, but we can consider paid claims above the retention.
In the United States, insurance products are offered by Coalition Insurance Solutions, Inc. (“CIS”), a licensed insurance producer with its principal place of business in San Francisco, CA (Cal. license #0L76155), acting on behalf of Zurich American Insurance Company, located at 1299 Zurich Way, Schaumburg, IL 60196 (NAIC # 16535). Complete license information for CIS and a list of our admitted carrier partners is available here. Insurance products offered through CIS may not be available in all states. CIS may receive compensation from an insurer or other intermediary in connection with the sale of insurance. All decisions regarding any insurance products, including approval for coverage, premium, commission and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on this advertising does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Policy obligations are the sole responsibility of the issuing insurance carrier. Copyright © 2023. All rights reserved. Coalition and the Coalition logo are trademarks of Coalition, Inc. or its affiliates.