Aon vs 
Coalition: How Do They Compare for Cyber Insurance?
What Is Aon?
Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. 1,2
What Is Coalition Insurance?
Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. 4,5,6,7
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 12,13
Key Differences in Cyber Insurance
Response limit and policy route
Aon treats cyber as a placement whose terms vary and says its team reviews available forms. Coalition says breach-response expenses have a separate limit, keeping response costs from reducing other coverage limits. Coalition also distinguishes admitted policies issued by Coalition Insurance Company from surplus-lines placements with unaffiliated insurers. Buyers should confirm which route applies and compare the response sublimit with their overall cyber limit. 3 8
Security tools and buying channel
Aon describes claims advocacy and relationships with outside response providers under separate contracts. Coalition includes Coalition Control at no additional cost, with attack-surface and vendor monitoring, zero-day alerts and account login security, and sells through appointed brokers. This gives buyers a documented monitoring package; ask Aon which services are in its proposed market and who contracts for them. 3 4
What to Confirm in Cyber Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Aon
Review Score
3 rated sources
Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.[4][6][7]
Read Aon reviewsCoalition
Review Score
1 rated source
Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.[10][14][13]
Read Coalition reviewsOffering Details
Aon vs Coalition: Cyber Insurance: documented features by provider
| Criteria | Aon Cyber brokerage and risk-advisory offering | Coalition Active Cyber Insurance |
|---|---|---|
| Role in This Line | Aon describes cyber insurance brokerage and risk-advisory services. It is not identified as the risk-bearing insurer, and the global page does not name the carrier for a particular placement. 3Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance. | Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. 8Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page. |
| Issuing Insurer | The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. 3Not found in reviewed sources. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available. | 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. 9Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route. |
| Who It’s For | Aon describes cyber services for organizations managing cyber risk. Its global practice page does not publish a complete industry, revenue, security-control or state-by-state eligibility schedule. 3Company-reported. Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state. | Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. 10Company-reported. Availability help article; eligibility for a particular business depends on underwriting. |
| Coverage Features | Aon describes cyber insurance as one part of cyber risk financing and says it reviews policy offerings because terms and conditions vary. For professional-services firms, it discusses coordinating cyber and professional-liability coverage. This is brokerage guidance and does not establish the terms of any cyber policy. 3Company-reported. Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control. | Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. 8Company-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. 8Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued. |
| Limits and Retentions | The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. 3Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed. | Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. 11,8Company-reported. Excess product help article; limit and retention amounts appear only on quotes. |
| Risk Services | Aon describes cyber claims advocacy and preparation and relationships with third-party incident-response providers. The retained official source notes that provider contracts are separate, no performance guarantee is made, and referral remuneration may occur; confirm the providers, scope and compensation applicable to a client. 3Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated. | 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. 4Company-reported. Coalition Control policyholder features page. |
| How to Apply | Confirm in your quote. | You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. 6Company-reported. Qualification help article; restates the verified provider fact broker-application. |
| Claims Support | Confirm in your quote. | 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. 8Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified. |
Full Comparison
More Aon vs Coalition Comparisons
Other Cyber Insurance Comparisons
Sources
Aon
- Commercial Risk Solutions U.S. Brokerage Terms of Service. Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed. Accessed 2026-09-29.
- Middle Market Clients. Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page. Accessed 2026-09-29.
- Cyber Risk. Aon; Global cyber risk financing/insurance overview and brokerage practice; claims preparation and advocacy, incident response providers and referral remuneration disclosures, lines 194–230 as retained in Aon’s official source record; Professional Services Practice cyber cross-reference, lines 151–156. Accessed 2026-09-30.
Coalition
- Coalition Control. Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.
- 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.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. 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.
- Active Cyber Insurance. Coalition; Cyber coverage tailored to your organization’s cyber risk needs: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud recovery, business interruption; Our Claims Approach; Coalition Incident Response. Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
- Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
- Does Coalition offer Excess coverage? Coalition; What excess products does Coalition offer, and in what regions? Accessed 2026-09-16.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
