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
What is Insureon?
Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. 9,10
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
Key Differences in Cyber Insurance
Breach response and policy limits
Coalition says breach-response expenses have a separate limit, so those costs do not consume the limit for other coverages. Insureon describes first-party response and third-party liability as distinct exposures that may be packaged differently, without specifying a limit structure. For a buyer estimating response costs, the quote should show whether those expenses have a separate amount or reduce the shared aggregate. 5 11
Security monitoring and placement
Coalition includes Control monitoring for attack surface, vendors, zero-day alerts, and account security at no additional cost, and says cyber policies are purchased through appointed brokers. Insureon offers an online quote request for small businesses but does not identify comparable monitoring or the eventual carrier. Buyers should confirm both the issuing insurer and any security services included with an Insureon quote. 1 11
What to Confirm in Cyber Insurance Quotes
Review Scores
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
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 reviewsInsureon
Review Score
4 rated sources
Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.[1][2]
Read Insureon reviewsOffering Details
Coalition vs Insureon: Cyber Insurance: documented features by provider
| Criteria | Coalition Active Cyber Insurance | Insureon 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. | Insureon markets cyber insurance and offers online quote requests for small businesses. 11Company-reported. Insureon’s public marketing page and quote route 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 identifies businesses holding sensitive information and businesses responsible for client cybersecurity as relevant audiences; carrier eligibility is not disclosed. 11Company-reported. Insureon’s public marketing page and quote route 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. | The page describes first-party breach-response costs and third-party liability as distinct cyber exposures, and notes that they may be packaged differently. 11Company-reported. Insureon’s public marketing page and quote route 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 Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. 11Company-reported. Insureon’s public marketing page and quote route 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. |
Full Comparison
Other Cyber Insurance Comparisons
Sources
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.
Insureon
- How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
- General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
- Cyber Insurance - Get Online Quotes. Insureon; Product definition L67-L89; coverage distinctions L90-L102; quote CTA. Accessed 2026-09-29.
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.
