Coalition vs Coverdash Cyber Insurance

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.

Coverdash arranges cyber coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^13,14Company-reported. General brokerage terms applied to the cyber page; not specific to any one carrier or state.

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.

The cyber page does not name the insurer that issues the policy. ¹⁴Not publicly disclosed. Reviewed cyber page as of 2026-09-23; the page describes coverage without naming a specific carrier.

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.

Coverdash markets cyber coverage to any business that collects data, takes payments online, or relies on software, regardless of industry. ¹⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

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.

Coverdash describes cyber coverage as including data-breach response (notification, credit monitoring and forensics), ransomware (negotiation and restoring systems), business-interruption income loss during an attack-driven outage, and legal defense and settlements for lawsuits after a data exposure. ¹⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

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.

The cyber page does not publish specific limit, retention or deductible amounts, or a separate sub-limit for ransomware versus breach-response costs. ¹⁴Not publicly disclosed. Reviewed cyber page as of 2026-09-23; figures are quote-specific and not shown on the public product 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.

The reviewed cyber page does not describe security-monitoring or other risk-management services made available to policyholders; it describes only post-incident response coverage. ¹⁴Not found in reviewed sources. Cyber product page as read on 2026-09-23.

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.

Coverdash describes a fully digital quote-to-purchase process for cyber coverage, with the option to add other coverages alongside it. ¹⁴Company-reported. Product-page company information and cross-sell section.

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.

Not described in the reviewed sources.