At-Bay vs Coalition: How Do They Compare for Cyber Insurance?

Both bundle security tools: At-Bay includes its Stance platform, while its endpoint or email monitoring-and-response service costs extra; Coalition includes Coalition Control at no added cost and sells through brokers.

Coalition includes Coalition Control monitoring at no additional cost. At-Bay includes Stance on every policy, publishes appetite up to $5 billion in revenue and $10 million in limits, and sells higher InsurSec tiers with separate MDR. ^6,¹

What Are the Key Differences Between At-Bay and Coalition Cyber Insurance?

Control Included Versus Stance Plus Paid MDR Tiers

Coalition includes Coalition Control at no additional cost, covering attack-surface monitoring, vendor risk monitoring, zero-day alerts and Login Security for Microsoft or Google accounts. At-Bay includes Stance on every policy, with vulnerability monitoring, vCISO advisory, tabletop exercises and awareness training, but optional InsurSec tiers that reduce ransomware retention or add a $0 financial-fraud retention require a separately purchased MDR subscription at stated per-user prices. Choose Coalition if you want that no-extra-cost Control stack; choose At-Bay if you want Stance plus the option to buy those InsurSec fraud and ransomware tiers. ⁶ ¹

A Separate Breach-Response Limit Versus Published Appetite Ceilings

Coalition says breach-response expenses have a separate limit so those costs do not use up the rest of the policy, and admitted policies are issued by Coalition Insurance Company. At-Bay's current cyber page does not name an issuing insurer for every quote; it publishes appetite up to $5 billion in revenue and $10 million in limits, with automated broker quotes only to $100 million and $3 million. Both describe in-house claims teams; Coalition also names an affiliated incident-response firm. ⁵ ⁷ ¹ ⁴

What Should You Confirm in At-Bay and Coalition Cyber Insurance Quotes?

Ask Coalition whether your policy is admitted and which insurer issues it. ⁷
Ask At-Bay which InsurSec tier is in the premium and whether MDR is extra. ¹
Compare Coalition's separate breach-response limit with At-Bay's overall $10 million published ceiling. ⁵ ¹

At-Bay vs Coalition Cyber Insurance Compared

At-Bay vs Coalition: Cyber Insurance: documented features by provider

Criteria	At-Bay Cyber Insurance	Coalition Active Cyber Insurance
Limits and Retentions	At-Bay says it writes primary and excess cyber insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. ¹Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.	Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. ^10,⁵Company-reported. Excess product help article; limit and retention amounts appear only on quotes.
How to Apply	You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. ¹Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.	You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ⁹Company-reported. Qualification help article; restates the verified provider fact broker-application.
Coverage Features	At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. ¹Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions.	Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ⁵Company-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. ⁵Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued.
Role in This Line	At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote.	Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ⁵Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page.
Issuing Insurer	The current cyber product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S cyber business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. ^1,³Company-reported. Cyber product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account.	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. ⁷Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route.
Risk Services	Every At-Bay cyber policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training. Managed detection and response (MDR) for endpoints or email costs extra, $16 or $25 per user per month respectively, and is sold separately by At-Bay Security, LLC. ¹Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.	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. ⁶Company-reported. Coalition Control policyholder features page.
Claims Support	At-Bay describes an in-house claims team and a named breach-coach phone line for active ransomware or system-interruption incidents, alongside a published cyber incident roadmap that assembles response partners after a claim is reported. ⁴Company-reported. Claims-handling page process description; does not establish claim outcomes or payment speed.	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. ⁵Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified.