---
title: "Coalition vs Gallagher Cyber Insurance"
description: "Coalition issues its own cyber policy; Gallagher runs two separate cyber practices for small-business and larger accounts."
canonical: "https://spot.insure/compare/coalition-vs-gallagher/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/coalition-vs-gallagher/cyber)

# Coalition vs Gallagher Cyber Insurance

Coalition issues its own cyber policy; Gallagher runs two separate cyber practices for small-business and larger accounts.

## Research Scope and Use

Use this comparison to evaluate Coalition and Gallagher for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Coalition designs and issues Active Cyber Insurance, with admitted business underwritten by Coalition Insurance Company, while Gallagher does not underwrite and instead runs a small-business cyber team and a separate group-level practice with its own eRiskHub portal for larger accounts. [7](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [17](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance")

## What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [2](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [3](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [11](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [12](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [13](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [14](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [15](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [18](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Underwriter Versus Two Broker Practices

Coalition underwrites its own policy, with admitted business issued by Coalition Insurance Company. Gallagher does not underwrite; it runs two separate cyber operations — Gallagher Small Business, which arranges coverage with outside carriers for small accounts, and a group-level practice serving larger accounts — neither of which names the issuing insurer on the reviewed pages. [7](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?")

### Services by Account Size

Gallagher splits its services by segment: the small-business page does not describe a comparable service, while its group-level practice gives larger clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team with cyber forensic accountants:

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. [17](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Group-level cyber liability page; not confirmed as included with the small-business product..)

Coalition, by contrast, includes Coalition Control at no added cost for its policyholders regardless of account size, covering attack-surface monitoring, vendor risk monitoring and zero-day alerts. [6](https://www.coalitioninc.com/control "Coalition Control")

### Market Commentary Versus Product Structure

Gallagher's small-business page adds market commentary not found on Coalition's pages: it says cyber rates are flat to down due to competitive market forces, while flagging generative-AI-driven phishing and deepfake risks as an emerging concern. Coalition's pages instead describe product structure, such as a separate limit for breach-response costs, without offering comparable market commentary. [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [5](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance")

## What to Confirm in Cyber Insurance Quotes

- Ask Gallagher whether your account would be handled by its small-business team or its group-level practice, since services differ by segment. [17](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance")
- Ask both Coalition and Gallagher which insurer would actually issue the policy. [7](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?")
- Get specific limit and retention figures from Gallagher; its pages publish none, only an illustrative $60 million claim example. [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?")
- Ask Coalition for its excess and retention figures, since its public pages also do not publish primary limits. [10](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?")
- If Gallagher's group-level eRiskHub applies to your account, ask what specifically it includes versus Coalition Control's monitoring features. [17](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") [6](https://www.coalitioninc.com/control "Coalition Control")

## Offering Details

| Criteria | Coalition Active Cyber Insurance | Gallagher Cyber Liability Insurance |
| --- | --- | --- |
| Role in This Line | Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. [5](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: 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. [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [17](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Small-business cyber product page and the group-level cyber liability page..) |
| 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. [7](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route..) | Neither the small-business cyber page nor the group-level cyber liability page names the insurer that would issue a given client's policy. [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [17](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| Who It’s For | Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. [8](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage "Where does Coalition offer cyber insurance coverage?") (Evidence: Company-reported; scope: 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. [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: 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. [5](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Product-page description; the issued policy and declarations control..)<br><br>Coalition lists pay-on-behalf cyber extortion coverage, funds transfer fraud and business interruption losses among its cyber coverages. [5](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: 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. [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions..)<br><br>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. [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business..) |
| 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. [10](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?") [5](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Excess product help article; limit and retention amounts appear only on quotes..) | Neither page publishes specific cyber coverage limits, retentions or premium ranges; the small-business page's $60 million claim example is an illustrative scenario, not a stated policy limit. [16](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [17](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) |
| 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. [6](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: 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. [17](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Group-level cyber liability page; not confirmed as included with the small-business product..) |
| How to Apply | You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. [9](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: Qualification help article; restates the verified provider fact broker-application..) | Not described in the reviewed sources. |
| 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. [5](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Coalition vs Gallagher Crime Insurance](https://spot.insure/compare/coalition-vs-gallagher/crime)
- [Coalition vs Gallagher D&O Insurance](https://spot.insure/compare/coalition-vs-gallagher/directors-officers)
- [Coalition vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-gallagher/employment-practices)
- [Coalition vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/coalition-vs-gallagher/fiduciary)
- [Coalition vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-gallagher/professional-errors-omissions)
- [Coalition vs Gallagher Tech E&O Insurance](https://spot.insure/compare/coalition-vs-gallagher/technology-errors-omissions)
- [Alliance Risk vs Coalition Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/cyber)
- [Alliance Risk vs Gallagher Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/cyber)
- [Amelia Risk vs Coalition Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-coalition/cyber)
- [Amelia Risk vs Gallagher Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/cyber)
- [At-Bay vs Coalition Cyber Insurance](https://spot.insure/compare/at-bay-vs-coalition/cyber)
- [At-Bay vs Gallagher Cyber Insurance](https://spot.insure/compare/at-bay-vs-gallagher/cyber)

## Sources

### Coalition

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). 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.
2. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
3. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
4. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
5. [Active Cyber Insurance](https://www.coalitioninc.com/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.
6. [Coalition Control](https://www.coalitioninc.com/control). Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.
7. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
8. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage). Coalition; United States. Accessed 2026-09-16.
9. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
10. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage). Coalition; What excess products does Coalition offer, and in what regions?. Accessed 2026-09-16.

### Gallagher

11. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
12. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
13. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
14. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
15. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
16. [Cyber Liability Insurance: What is it? Who Needs It?](https://www.gallaghersmallbusiness.com/insurance-products/cyber/). Gallagher Small Business; What is Cyber Insurance?; Do you need cyber liability insurance?; Types of Cyber Liability Insurance (first-party and third-party); Who needs Cyber Liability Insurance; Cyber market trends; Consider this Cyber Liability Insurance claim example. Accessed 2026-09-23.
17. [Cyber Liability Insurance](https://www.ajg.com/insurance/cyber-liability-insurance/). Gallagher; Protect your business from cyber threats; We help you prevent, mitigate, manage and recover from a cybersecurity incident: Cyber exposure preparation, Insurance process preparation, Prevention and ongoing cyber risk management, Claims advocacy; Gallagher eRiskHub; dedicated claims team with cyber forensic accountants. Accessed 2026-09-23.

### Cyber Insurance Guide

18. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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