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

Gallagher Small Business arranges cyber for small firms with outside carriers; Coalition designs its own policy with a separate breach-response limit and in-house claims team.

Coalition sells one designed Active Cyber policy with Control included. Gallagher Small Business places cyber with outside carriers for smaller firms, while the group cyber practice adds eRiskHub and a dedicated claims team for larger accounts. ^1,^7,⁸

What Are the Key Differences Between Coalition and Gallagher Cyber Insurance?

One Designed Policy Versus Two Gallagher Practices

Coalition designs Active Cyber and sells it through appointed brokers with Control included. Gallagher Small Business arranges cyber with outside carriers for small firms that handle customer data or take card or EFT payments; the group practice separately places cyber with risk-consulting for larger accounts. Which Gallagher door you enter changes the services you see. Choose Coalition if you want one designed form plus monitoring; choose Gallagher if you want a broker that runs a small-business path and a larger-account practice. ¹ ⁷ ⁸

For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. ⁸Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product.

Coalition's Control platform is included for policyholders regardless of that small-versus-large split. Gallagher's small-business page does not describe eRiskHub. ² ⁷

Rate Commentary Versus Unpublished Limits

Gallagher's small-business team says cyber rates are flat to down and flags generative-AI phishing risk, but neither Gallagher page publishes limits or retentions. Coalition also omits primary limit figures, though it offers surplus-lines excess above an underlying policy. You will get numbers only on a quote. ⁷ ⁶

What Should You Confirm in Coalition and Gallagher Cyber Insurance Quotes?

Ask Gallagher whether you are in the small-business path or the group practice, and which insurer is quoting. ⁷
Ask whether eRiskHub access is included on your account. ⁸
Ask Coalition for the breach-response limit versus the main limit. ¹

Coalition vs Gallagher Cyber Insurance Compared

Coalition vs Gallagher: Cyber Insurance: documented features by provider

Criteria	Coalition Active Cyber Insurance	Gallagher Cyber Liability Insurance
Who It’s For	Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ⁴Company-reported. Availability help article; eligibility for a particular business depends on underwriting.	Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. ⁷Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting.
Coverage Features	Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ¹Company-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. ¹Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued.	Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ⁷Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ⁷Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.
Role in This Line	Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ¹Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page.	Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^7,⁸Company-reported. Small-business cyber product page and the group-level cyber liability page.
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. ²Company-reported. Coalition Control policyholder features page.	For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. ⁸Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product.