Amelia Risk vs Coalition Cyber Insurance

Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. ⁴Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy.

Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ¹³Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page.

The reviewed pages do not name an insurer for cyber placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to cyber liability specifically. ⁴Not publicly disclosed. Cyber product page and specialty pages, checked 23 September 2026.

Admitted cyber policies are issued by Coalition Insurance Company. Non-admitted (surplus lines) policies are placed with unaffiliated insurers, so the carrier depends on the policy route. ¹⁵Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route.

Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. ^5,6,7,8Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. ⁴Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold.

Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ¹⁶Company-reported. Availability help article; eligibility for a particular business depends on underwriting.

Amelia describes its cyber liability placements as combining network security and privacy liability (protecting a client's networks against unauthorized access and protecting personal, health or other sensitive data) with first-party coverage for losses the business incurs and third-party coverage for claims alleging the business is at fault. ⁴Company-reported. Cyber product page description; the actual policy wording and sublimits depend on the issuing insurer and the client's declarations.

Amelia describes cyber-crime and social engineering coverage as a traditional add-on to the base cyber policy rather than something included by default. ⁴Company-reported. Cyber product page description as of 23 September 2026.

Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ¹³Company-reported. Product-page description; the issued policy and declarations control.

Coalition lists pay-on-behalf cyber extortion coverage, funds transfer fraud and business interruption losses among its cyber coverages. ¹³Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued.

Not described in the reviewed sources.

Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. ^18,13Company-reported. Excess product help article; limit and retention amounts appear only on quotes.

The reviewed cyber page does not describe security-monitoring, incident-response, or other risk-control services for cyber policyholders beyond the coverage description itself. ⁴Not found in reviewed sources. Cyber product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them.

Policyholders get Coalition Control at no additional cost, including attack-surface monitoring, vendor risk monitoring, zero-day alerts and Login Security for Microsoft or Google accounts. ¹⁴Company-reported. Coalition Control policyholder features page.

Not described in the reviewed sources.

You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ¹⁷Company-reported. Qualification help article; restates the verified provider fact broker-application.

The reviewed cyber page does not describe a breach-response process or claims-handling steps specific to cyber incidents. ⁴Not found in reviewed sources. Cyber product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not cyber-specific.

Coalition describes an in-house cyber claims team and an affiliated incident response firm, Coalition Incident Response, and says it often recovers stolen funds after transfer fraud. ¹³Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified.