Coalition vs 
Markel Insurance
Coalition describes cyber risk and technology businesses. Markel’s U.S. small-business description names child care and enrichment, commercial and residential services, sports and fitness, and manufacturing. Both catalogues list Cyber liability, Technology errors and omissions (E&O), Professional errors and omissions (E&O); compare the actual product, issuer and service route for your business before treating those labels as equivalent. 7,1,26,19,34
Introduction
Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. For a business considering cyber liability, the practical difference is the entry point: Coalition describes an application submitted through a broker, while Markel distributes through wholesale and retail channels. Compare what fits your buying team and operations, then verify the actual product and terms. 1 19 7 34
Coverage Comparison
| Coverage | Coalition | Markel Insurance |
|---|---|---|
| Builders risk | Not listed | Listed 39Markel builders risk |
| Cargo and transit | Not listed | Listed 38Markel cargo and transit coverage |
| Commercial property | Not listed | Listed 37Markel commercial property |
| Crime | Listed 5Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations. | Listed 34Markel Cyber 360 eCrime component (standalone product not established) |
| Cyber liability | Listed 7Coalition offers cyber insurance. | Listed 34Markel Cyber 360 |
| Directors and officers | Listed 5Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations. | Listed 36Markel private and nonprofit D&O |
| Employment practices liability | Listed 5Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations. | Listed 36Markel employment practices liability |
| Equipment breakdown | Not listed | Listed 32Equipment-breakdown option within property coverage; standalone product not established |
| Fiduciary liability | Listed 5Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations. | Listed 36Markel fiduciary liability |
| General liability | Not listed | Listed 32Markel small-business casualty and property |
| Hired and non-owned auto | Not listed | Listed 32Hired/non-owned auto option in small-business casualty; not commercial auto |
| Liquor liability | Not listed | Listed 32Markel liquor liability |
| Management liability | Not listed | Listed 36Markel management liability |
| Media liability | Listed 18Coalition identifies media liability within its Active Cyber policy. | Listed 34Markel Cyber 360 media liability component (standalone product not established) |
| Product liability | Not listed | Listed 32Markel products liability |
| Professional errors and omissions (E&O) | Listed 6Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. | Listed 35Markel ProBiz miscellaneous E&O |
| Surety bonds | Not listed | Listed 41Markel Surety bonds |
| Technology errors and omissions (E&O) | Listed 1Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. | Listed 34Markel Cyber 360 technology professional liability component (standalone product not established) |
| Tools, equipment and inland marine | Not listed | Listed 38Markel commercial inland marine |
| Umbrella and excess liability | Not listed | Listed 40Markel excess casualty and umbrella |
| Workers’ compensation | Not listed | Listed 33Markel Workers Compensation |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Coalition
Hybrid providerBroker
6.1/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.
Carrier & MGA
6.3/ 10Assessed provider: Coalition. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in July 2026; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.
Markel Insurance
CarrierCarrier & MGA
7.1/ 10Assessed entity: Markel Insurance Company. Scope: Markel Insurance Company (NAIC 38970, Illinois-domiciled) as an admitted U.S. commercial insurer, including its workers' compensation and liability lines. Other Markel insurers, Markel Group and the Lloyd's syndicates are context only, and it does not say which insurer will issue a given quote.
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 reviewsMarkel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsKey Differences Between Coalition and Markel Insurance
Know Which Party Arranges the Policy
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. 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. Markel describes Markel Insurance as the insurance operations within Markel Group Inc., a Virginia holding company. Markel’s U.S. Wholesale and Specialty division distributes through wholesale and retail channels, with limited small-account binding authority; some direct marketing applies to certain admitted products and programs. 2 13 19
That difference matters if you want to work through an existing adviser, compare several insurers, or start from a self-service application. Ask whether your chosen producer can access the Coalition product and the relevant Markel division for your state, and who is responsible for presenting the final terms. A brand name or online intake does not identify the insurer that will issue the policy. 13 19
Use Shared Lines to Frame the Quote
Both companies list Cyber liability, Technology errors and omissions (E&O), Professional errors and omissions (E&O). The cyber liability description for Coalition says “Coalition offers cyber insurance”; Markel’s listing describes “Markel Cyber 360.” The difference can matter: one description may place a line inside a broader product or limit it to a component, while the other describes a separate offer. Confirm the exact policy structure and wording on each quote. 7 34 1 6 35
Ask each respondent to name the exact product and form for cyber liability, then show how the proposal treats your revenue, services, locations, contracts and any physical operations. If the proposal places other lines separately, request a schedule that makes the separate policies and any intended coordination visible. Product names and catalogue entries alone cannot establish matched limits, exclusions or conditions.
Compare the Work After the Quote
The service arrangements also differ after submission:
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. Markel describes commercial-agent portals for authorized users, including functions for listed lines; its U.S. account page separately lists documents, proof of insurance and payments for covered business products. 8 28 29
Confirm who handles certificates, midterm changes, billing, renewal information and claim notification for the policy you are considering. If Coalition’s service is tied to an adviser or portal, ask whether your account and the proposed line qualify for it; do the same for the Markel product. Neither a group-wide service description nor a portal feature establishes a turnaround time or claim outcome. 8 28
What to Confirm in Quotes
- Which exact product and policy form is proposed for cyber liability, and what limits, retentions, exclusions and endorsements apply to our operations?
- Who is the licensed producer and which legal insurer would issue each policy in our state? Is the placement admitted or surplus lines?
- What information and documents should we prepare, who will submit them, and what still needs underwriting approval before binding?
- Who will service the policy after binding, and what account, renewal, certificate and claim-notification functions are available for this product?
Start with Coalition if its stated customer focus or buying route matches how your team wants to arrange this line. Ask Markel for a proposal when one of its listed small-business or specialty classes fits the exposure. Compare the named insurer, policy structure, state route and account-service responsibilities before choosing between them. 7 26
Compare Services
What each provider documents about the services you may need
| Criteria | Coalition | Markel Insurance |
|---|---|---|
| Business role | 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. | Markel describes Markel Insurance as the insurance operations within Markel Group Inc., a Virginia holding company. Markel Group's FY2025 filing identifies multiple underwriting subsidiaries. The insurer for a specific policy depends on the product, state and current quote or policy disclosures; Markel Insurance is not one standalone legal insurer. 19,20Company-reported. U.S. commercial-insurance identity and parent/business relationship; not a product-specific issuer assignment. |
| Customer focus | 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. | Markel's U.S. small-business page lists child care and enrichment, commercial and residential services, sports and fitness, and manufacturing among the segments it describes. Separately, its FY2025 filing describes Markel Insurance's global specialty business as underwriting hard-to-place risks; that wording is not specific to U.S. Wholesale and Specialty. 26,19Company-reported. Company-stated U.S. small-business examples and separate global business characterization; neither establishes eligibility. |
| Coverage lines | 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. | |
| Application process | 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. | Markel's FY2025 filing says U.S. Wholesale and Specialty distributes through wholesale and retail channels on admitted and excess-and-surplus bases, including limited small-account binding authority. In 2025, 71% of this division's gross written premium was placed through wholesale brokers, 26% through retail agents and brokers, and the remainder through alternative channels. Certain admitted products and programs are marketed directly to consumers, but that does not establish online purchase or binding for every product. 19Company-reported. FY2025 Markel Insurance U.S. Wholesale and Specialty distribution; not the whole Markel Insurance business. For workers' compensation, Markel directs applicants to submit an online application or contact an appointed agent to request a quote; the reviewed page does not establish that purchase and binding are completed online. 27Company-reported. Markel U.S. workers' compensation page only; route to request a quote. Agencies can request a Markel appointment; Markel says appointments are made by affiliated insurer and product, and producers must hold the required state license. This is a producer onboarding route, not an insured's application path. 30Company-reported. Commercial agency appointment information; not retail purchase process. |
| Servicing and renewals | 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. | Markel describes agent portals for authorized commercial users to quote and bind listed lines and access account history, billing, claims details and policy documents. The page does not establish that every product supports every function. 28Company-reported. Commercial-agent portals; available functions vary by portal and product. Markel's U.S. account page lists policy documents, proof-of-insurance downloads, payments and automatic payments for covered business products and directs customers with unlisted products to the agent on the policy. Renewal handling and renewal terms were not established in this review. 29Company-reported. Public portal description; not all products necessarily use the portal. |
Related Reading
Sources
Coalition Official Website
- 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.
- Licenses and Carriers. Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
- U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. 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.
- Executive Risks. 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.
- Miscellaneous Professional Liability. Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
- Active Cyber Insurance. Coalition; Active Cyber Insurance; Coverage Advantage: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud, business interruption. Accessed 2026-09-16.
- Coalition Control. Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
- Cyber Insurance Claims Experience. Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
- Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
- 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.
- How to add Tech E&O coverage to a Coalition quote. Coalition; Opening; Step 1; Step 2; Last Step. 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.
- Does Coalition offer Excess coverage? Coalition; Where do I send my excess submissions?; What excess products does Coalition offer, and in what regions? (excess Cyber Surplus in the US and Canada; excess Tech E&O and MPL combined with cyber, US only). Accessed 2026-09-16.
- How do Cyber renewals work at Coalition? Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
- How does Coalition make money? Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
- Active Cyber Insurance for Enterprises. Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
- Coalition AI Coverage. Coalition; Coverage in Action table, including the Defamation row (Media Liability insuring agreement); Deepfake Response; policy disclaimers. Accessed 2026-09-16.
Markel Insurance Official Website
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- US Product Disclaimer. Markel; U.S. underwriting/entity and state-availability disclaimer; identifies Markel West Insurance Services, California license #2E11302, for certain non-admitted coverage. It does not state Markel Service national producer license #27585 or California DBA license #0645481. Accessed 2026-09-29.
- Insurance Programs. Markel; FAQ and legal disclaimer at page end; coverage by Markel insurers, Markel Service, Incorporated national producer license #27585 and California DBA license #0645481, and Markel West Insurance Services California license #2E11302 for certain non-admitted products. Accessed 2026-09-29.
- AM Best Affirms Credit Ratings of Markel Group Inc. and Its Subsidiaries. AM Best; Press release dated November 21, 2025; paragraphs naming ratings, rating rationale, and Markel North America Insurance Group members. Accessed 2026-09-28.
- North America Producer Compensation Disclosure. Markel; Base commissions, contingent compensation, business production/additional incentives, and Markel Specialty/Markel Service/insurer role statement. Accessed 2026-09-28.
- U.S. and Bermuda Claims Contacts. Markel; April 2026 claims-contact PDF footer: Markel West, Inc. d/b/a Markel West Insurance Services, California license #0D95581; coverage by one or more Markel insurers and non-admitted routes. Accessed 2026-09-29.
- Small Business Insurance. Markel; Small business products; Types of companies—Child care and enrichment, Commercial and residential services, Sports and fitness, Manufacturing. Accessed 2026-09-28.
- Workers Compensation Insurance. Markel; Introductory quote/application route; claims question and report-a-claim contact. Accessed 2026-09-28.
- Commercial Lines Agents & Broker Support. Markel; mPortal and Markel Online access; resources; digital distribution. Accessed 2026-09-28.
- My Account. Markel US; Online account portal capabilities; Business insurance; unlisted-product direction. Accessed 2026-09-28.
- Request appointment with Markel. Markel; Commercial and personal lines agency partner criteria; product-specific affiliate appointments; producer-license requirement. Accessed 2026-09-28.
- Markel Insurance Companies. Markel; Notice to California and Massachusetts Applicants and Insureds; U.S.-domiciled property and casualty insurer subsidiaries and affiliates; table of company names and market status (page states current as of 2024-04-01). Accessed 2026-09-28.
- Small Business Casualty and Property Insurance. Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. Accessed 2026-09-29.
- Workers Compensation Insurance. Markel; Product overview and quote route; workers compensation/employers liability, eligible industries, claim and loss-control descriptions. Accessed 2026-09-29.
- Cyber Insurance Coverage. Markel; Markel Cyber 360; coverages available, cyber incident response, business interruption, privacy/security liability, media liability and technology professional liability. Accessed 2026-09-29.
- ProBiz | Professional Liability Coverage. Markel; What is Markel ProBiz; separate management liability and miscellaneous E&O; listed limits and qualifying business size. Accessed 2026-09-29.
- Private and Nonprofit Management Liability Insurance. Markel; What we offer; private/nonprofit segment; D&O, EPL, fiduciary and optional coverage sections. Accessed 2026-09-29.
- Commercial Property Insurance. Markel; Commercial property product summary and eligible risks. Accessed 2026-09-29.
- Commercial Inland Marine Insurance. Markel; What we offer; inland marine classes, cargo, contractors equipment, transportation and coverage structure. Accessed 2026-09-29.
- Builders Risk Insurance. Markel; Coverage features; construction projects and builders-risk scope. Accessed 2026-09-29.
- Excess Casualty Insurance. Markel; Excess and umbrella liability and admitted/non-admitted capabilities. Accessed 2026-09-29.
- Markel Surety. Markel; Products; contract bonds, commercial bonds, court and probate bonds. Accessed 2026-09-29.
- Markel Insurance Company Complaints. Better Business Bureau; Company complaints summary: 12 in last three years, 3 closed in last 12 months; complaint-category counts and displayed case examples; headquarters and corporate-owned locations. Accessed 2026-09-29.
