Beazley vs 
Coalition: How Do They Compare for Cyber Insurance?
Coalition sells through appointed brokers in all 50 states with free monitoring; Beazley sells Full Spectrum Cyber to accounts under $35 million, with discounted security vendors and a breach-response service.
Coalition gives breach-response expenses a separate limit so incident costs do not erode other coverage. Beazley's sample MediaTech form can share one aggregate across cyber, technology and media unless the declarations list a separate amount. 5,3
What Are the Key Differences Between Beazley and Coalition Cyber Insurance?
Whether Incident Costs Eat the Main Limit
Coalition says breach-response expenses have a separate limit, so paying forensics and notification does not use up the limit for other coverages. Beazley's sample MediaTech form takes the opposite default: unless the declarations list a separate amount, cyber insuring agreements share one Policy Aggregate with technology, professional and media coverages. Choose Coalition if you want response costs walled off from the rest of the limit; choose Beazley if you want a small-business form that can sit beside tech and media on one aggregate and you will confirm the split at bind. 5 3
Who Issues the Policy
Coalition states that admitted cyber policies are issued by Coalition Insurance Company, while non-admitted placements use unaffiliated insurers. Beazley's Full Spectrum Cyber page names no issuing insurer; only the separate MediaTech application names Beazley Insurance Company, Inc. on its cover, which is not confirmed for a stand-alone cyber quote. 7 1 4
Monitoring You Get With the Policy
Coalition includes Control at no extra cost — attack-surface monitoring, vendor risk monitoring, zero-day alerts and Login Security — and sells only through appointed brokers. Beazley also sells through brokers on myBeazley, but its risk services are discounted third-party vendor tools rather than a first-party monitoring platform Beazley operates. 6 9 1
What Should You Confirm in Beazley and Coalition Cyber Insurance Quotes?
- Ask Coalition whether the quote is admitted or surplus lines, because the insurer changes with the route. 7
- Ask Beazley for the issuing entity and whether cyber has its own limit or shares the MediaTech aggregate. 1 3
- Ask Coalition for the actual breach-response and policy limits; public pages do not publish a standard primary maximum. 10
Beazley vs Coalition Cyber Insurance Compared
Beazley vs Coalition: Cyber Insurance: documented features by provider
| Criteria | Beazley Full Spectrum Cyber for Small Businesses | Coalition Active Cyber Insurance |
|---|---|---|
| Limits and Retentions | In the sample MediaTech form, unless the declarations list a separate amount, the cyber-related insuring agreements share the same Policy Aggregate Limit of Liability with the policy's technology, professional and media coverages rather than carrying a dedicated cyber-only limit. 3Company-reported. Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations, and may differ for a stand-alone Full Spectrum Cyber policy. | 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. |
| Who It’s For | Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. 1Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting. | Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. 8Company-reported. Availability help article; eligibility for a particular business depends on underwriting. |
| How to Apply | Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. 1,4Company-reported. Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal. | 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 | The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. 3Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording. | 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 | For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. 1,2Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately. | 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. |
| Risk Services | Full Spectrum Cyber policyholders get discounted access to vendor services, including anti-phishing tools and training, email security services, cyber risk analysis and other pre-breach prevention services, through Beazley's partnership with its in-house Beazley Security unit. 1Company-reported. Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page. | 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 | Beazley describes its Beazley Breach Response service as mobilizing a coordinated response after a cyber incident, including forensics specialists, legal counsel, notification services and call centers, credit monitoring and public-relations support. 1Company-reported. Full Spectrum Cyber product page Beazley Breach Response Services section; service quality and turnaround are Beazley's own description and not independently verified. | 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. |
