Coalition vs Liberty Mutual

Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. ^2,7Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Before relying on a California quote, check the current producer authority: Coalition lists CIS license 0L76155, a company disclosure not independently confirmed with the state regulator. ²Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition Security or independent providers may deliver security services; Coalition’s legal page identifies Coalition Incident Response, Inc. as its operator and says this entity is not an insurer. ²Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Liberty Mutual is a group brand spanning multiple insurance entities. Its business-site disclosure says coverage may be underwritten by Liberty Mutual Insurance Company or affiliates/subsidiaries and that the issuing insurer is identified when a product is offered; some policies may use surplus-lines insurers. The LMIC statutory statement identifies Comparion as a separate producer for LMIC policies it places. ^21,34Company-reported. US commercial brand and channel overview. Does not assign LMIC or Comparion to every product; confirm the named insurer and producer on each offer and policy.

Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. ¹Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Large businesses can compare Coalition’s Active Cyber for Enterprises with Allianz; the minimum revenue and underwriting criteria mean startups should not assume they qualify. ¹⁷Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Liberty Mutual describes US Retail Markets as serving individuals and small businesses with personal and small-commercial property and casualty insurance countrywide, and Global Risk Solutions as providing commercial, specialty, reinsurance, and surety solutions to mid-size and large businesses worldwide. ²⁰Company-reported. Company-reported business-unit positioning; it does not establish that each product is available in every state or country.

Technology companies can combine cyber insurance with Tech E&O for covered third-party financial losses caused by errors, omissions or negligence in a product or service. ¹Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition cyber may help with breach response, extortion and business interruption, subject to the issued policy. ⁷Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Some Coalition cyber policies can add miscellaneous professional liability for professional-service errors and omissions, including defense, settlements and judgments; confirm eligibility and wording. ⁶Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition’s executive suite lets organizations consider D&O, employment practices, fiduciary and crime coverage for management, workplace, benefit-plan and criminal-loss exposures. ⁵Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

If your primary cyber limit is too low, Coalition lists US surplus-lines cyber excess, with combined Tech E&O and MPL excess options, above an underlying policy. It is not a general commercial umbrella, it needs underlying policy details and loss runs, and the primary insurer leads the claims response. ¹⁴Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Eligible businesses may use existing Active Cyber agreements, media liability or Tech E&O for some AI-related losses, and can ask about a Deepfake Response endorsement; this is not blanket AI liability or a model-performance warranty. ¹⁸Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Liberty Mutual publicly markets the listed commercial lines and packages in this record. Its small-business BOP combines property and general liability and can be supplemented with cyber and professional liability; the company describes commercial auto, workers compensation, and inland marine as separate from a BOP. ProShield packages management-liability components, and healthcare, professional-services, wholesale, and multinational pages describe specialized or industry-specific solutions. Line membership records actual company marketing, not a promise of availability, standalone issuance, a shared insurer, or uniform terms. ^{21,25,26,29,30,31,35,36,37,38,39,40,41}Company-reported. Current official US commercial and small-business pages inspected September 29, 2026. Coverage-line membership is distinct from whether a detailed offering payload has enough supported claim detail for line comparisons. Package, sector and multinational-only scope stays attached to the member line.

You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. ¹³Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. ¹²Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Liberty Mutual's small-business page offers quote and agent-finder entry points. Its commercial pages direct business buyers to a broker or agent. A quote link does not establish online purchase or policy binding. ^32,21,23Company-reported. Public company pages only; no application was submitted and no authenticated workflow was inspected.

Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. ⁸Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Plan renewal work early: Coalition says cyber renewals start 90 days before expiry and may be Automatic, Express or Standard. Express renewals need your responses, Standard renewals need a bind order and an updated signed application, and automatic renewal does not guarantee the same premium. ¹⁵Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Liberty Mutual describes online account tasks for small-business customers, including billing, certificates, premium audits and claim-status checks. Access and available tasks may depend on the policy and account; a certificate does not amend coverage. ^32,33Company-reported. Company-described small-business account features; not an independent service-quality measure or guarantee.

NerdWallet reports that Liberty Mutual’s commercial-property complaints were higher than expected for its market share and general-liability complaints were far higher than expected during 2022–2024. This is an attributed secondary analysis; its underlying counts and insurer-entity mapping were not independently recalculated here. ⁴²Verified. NerdWallet’s June 3, 2026 secondary analysis of commercial-property and general-liability complaints for 2022–2024. This does not identify an exact underwriting entity or constitute an independently reproduced regulator metric.

Your broker may receive a premium-based commission plus contingent commissions, placement incentives or cybersecurity-sales compensation, according to Coalition; ask how your placement is compensated. ⁴Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition says it keeps part of earned premium for operations and broker commissions, and may receive additional insurer payments tied to annual portfolio loss ratios. ¹⁶Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Get the full price and broker compensation in writing; reviewed disclosures do not state a startup quote’s commission rate, fee or premium. ^4,16Not publicly disclosed. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

No product-specific commission, broker fee, or customer fee schedule was verified in the official commercial pages reviewed. Compensation for a buyer's placement is unknown; do not infer that fees or commissions are absent. ^21,33Not publicly disclosed. Only public pages listed in this candidate were reviewed; statutory aggregate liabilities do not establish transaction-specific compensation.