Berkshire Hathaway Specialty Insurance vs Coalition: How Do They Compare for Cyber Insurance?

BHSI describes both a stand-alone Network Security & Privacy policy and blended E&O/Cyber forms in Professional First. ^5,6Company-reported. Form selection depends on the risk and proposal; the overview does not establish issuance for an individual applicant.

Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ¹¹Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page.

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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. ¹²Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route.

The Network Security & Privacy page names professional-services firms among its targets; the overview separately lists technology, telecom and financial-sector customers in targeted or selective categories. ^5,6Company-reported. The overview’s class lists have different appetite labels; neither is a blanket eligibility rule.

Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ¹³Company-reported. Availability help article; eligibility for a particular business depends on underwriting.

BHSI markets third-party breach exposures, direct breach-response and extortion expenses, and business interruption from a network-security failure. ⁵Company-reported. The product page is a coverage summary; conditions, sublimits and exclusions require the policy and endorsements.

Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ¹¹Company-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. ¹¹Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued.

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Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. ^14,11Company-reported. Excess product help article; limit and retention amounts appear only on quotes.

BHSI lists eRiskHub as a resource with its Network Security & Privacy product. ⁵Company-reported. The product-page listing does not define the resource’s service scope or confirm availability on an individual policy.

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. ⁷Company-reported. Coalition Control policyholder features page.

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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.

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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. ¹¹Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified.