Coalition vs Foxquilt: How Do They Compare for Cyber Insurance?

Coalition says breach-response expenses have a separate limit from other coverages, subject to the issued policy and declarations. Foxquilt’s summary names data breaches and ransomware but does not identify insured costs or quote-specific triggers. ^5,¹¹

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. ^1,^2,^3,⁴

Read the Coalition profile

Read the Coalition Cyber Insurance page

What Is Foxquilt?

Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. ^9,¹⁰

Read the Foxquilt profile

Read the Foxquilt Cyber Insurance page

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

Read the full coverage guide

Key Differences in Cyber Insurance

Coalition says breach-response expenses have a separate limit, so those costs do not use up the limit for other coverages; the issued policy and declarations control. Foxquilt’s overview describes data breaches and ransomware without identifying the insured costs or triggers for a particular quote. This makes the treatment of response expenses a concrete point to compare in the declarations. ⁵ ¹¹

Breach-response limit

Coalition’s product page specifically describes a separate response-cost limit. Foxquilt’s summary identifies events but does not say whether response costs share the main limit or have a separate sublimit. Ask each provider to show where forensic, notification and restoration costs sit and how a response claim affects funds remaining for liability or interruption. ⁵ ¹¹

Other named cyber features

Coalition’s same product description also lists pay-on-behalf cyber-extortion, funds-transfer-fraud recovery and business interruption. Foxquilt’s brief overview names ransomware events but does not identify the costs or policy triggers for those scenarios. Compare the exact extortion, transfer-fraud and interruption language rather than assuming similarly named events use the same coverage grant. ⁵ ¹¹

What to Confirm in Cyber Insurance Quotes

Ask Coalition to show the separate breach-response limit in the declarations and its interaction with other limits. ⁵
Ask Foxquilt how response, extortion and interruption costs are triggered and limited in the proposed form. ¹¹

Coalition and Foxquilt Review Scores for 2026

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.

Coalition Review Score

10.0/ 10

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 reviews

Foxquilt Review Score

8.9/ 10

Review Score

3 rated sources

Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.^[12]^[5]^[6]

Read Foxquilt reviews

Coalition vs Foxquilt Cyber Insurance Compared

Coalition vs Foxquilt: Cyber Insurance: documented features by provider

Criteria	Coalition Active Cyber Insurance	Foxquilt Cyber Insurance
Role in This Line	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.	Foxquilt markets a Cyber Insurance product for businesses. ¹¹Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.
Issuing Insurer	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. ⁶Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route.	Confirm in your quote.
Who It’s For	Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ⁷Company-reported. Availability help article; eligibility for a particular business depends on underwriting.	The page discusses businesses exposed to cyber events and sensitive information; it does not publish a full appetite or industry eligibility list. ¹¹Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.
Coverage Features	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.	Its product summary describes cyber-event exposures such as data breaches and ransomware; it does not identify the insured costs or policy triggers for a particular quote. ¹¹Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.
Limits and Retentions	Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. ^8,⁵Company-reported. Excess product help article; limit and retention amounts appear only on quotes.	The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ¹¹Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.
Risk Services	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. ¹Company-reported. Coalition Control policyholder features page.	Confirm in your quote.
How to Apply	You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ³Company-reported. Qualification help article; restates the verified provider fact broker-application.	The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. ¹¹Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.
Claims Support	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.	Confirm in your quote.

Related Pages for Coalition vs Foxquilt Cyber Insurance

Cyber Insurance Pages for Coalition and Foxquilt

Other Coverage Lines Compared for Coalition vs Foxquilt

Other Cyber Insurance Provider Comparisons

Sources for Coalition vs Foxquilt Cyber Insurance

Sources About 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.

Sources About Foxquilt

Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
Cyber Business Insurance. Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.

Sources for the 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.