Coalition vs Marsh

Coalition combines commercial insurance offerings with cyber risk-management services. In the United States, Coalition Insurance Solutions, Inc. (CIS) is the disclosed insurance producer and surplus lines broker; the issuing insurer is responsible for policy obligations. ^2,7

Coalition lists CIS’s California producer and surplus lines license as 0L76155. This is a company disclosure; current license status has not been independently checked with the California regulator. ²

Coalition’s legal page identifies Coalition Incident Response, Inc., doing business as Coalition Security, or independent third parties as security-service providers. Coalition Security does not provide insurance. ²

Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. ^36,35,20

Current Marsh materials use more than one US legal name. The compensation guide (copyright 2024, Marsh LLC) refers to Marsh LLC and Marsh USA LLC entering client agreements. The transparency page instead names Marsh LLC and Marsh USA Inc. Marsh McLennan Agency is described as a wholly owned Marsh subsidiary. A 2006 California decision caption used MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES, license 0437153. Confirm the exact contracting producer on the proposal and license documents; current California license status remains unverified. ^{36,35,37,38,19,49}

Coalition offers technology errors and omissions (E&O) coverage for covered third-party financial losses arising from errors, omissions or negligence in technology products or services, combined with cyber insurance. ¹

Coalition markets cyber insurance with breach-response expenses, cyber-extortion and business-interruption coverage, subject to the issued policy. ⁷

Miscellaneous Professional Liability covers professional-service errors and omissions and can be added to certain Coalition cyber policies. Its product page describes defense costs, settlements and judgments; eligibility and wording need confirmation. ⁶

Coalition’s Executive Risks suite lists directors and officers liability, employment practices liability, fiduciary liability and crime insurance. These address management decisions, employment disputes, benefit-plan management and criminal losses respectively. ⁵

Coalition lists U.S. surplus cyber excess coverage, with combined Tech E&O and MPL excess options. This is additional coverage above an underlying policy, not evidence of a general commercial umbrella offering. It requires underlying policy details and loss runs; the primary insurer leads claims response. ¹⁴

Coalition maps AI-related losses to its Active Cyber Policy’s existing insuring agreements, including media liability and Tech E&O for eligible businesses. It also markets a Deepfake Response endorsement. This does not establish unrestricted AI-product liability or a warranty of model performance. ¹⁸

Marsh’s Cyber Insurance practice markets brokerage of cyber policies and related analytics products. Marsh McLennan Agency’s cyber page lists solution areas such as cybercrime, extortion and ransomware, media liability, network interruption and privacy regulatory defense costs. The Technology Practice’s data-center service describes programs that can include property damage, equipment breakdown, business interruption, cyber, general liability and surety for power and interconnection obligations. Stratus is marketed as an operational property exchange for digital infrastructure with potential access to up to $10 billion of property capacity on a single placement; at launch it is focused on property, with inland marine, cyber and casualty described as possible later lines. These are marketed capabilities, not a standard startup package or guaranteed limits. ^{26,42,22,23,21}

Marsh’s Directors and Officers page offers D&O program design for public, private and non-profit companies. Its Employment Practices page offers EPLI, including endorsements described for firms with more than 4,000 employees and for midsize firms with 250 to 4,000 employees. Its Professional Liability page offers E&O risk-transfer design, including for technology businesses. MMA’s executive and professional liability practice lists D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, intellectual property and kidnap-and-ransom among policies it places. Endorsement headcount bands and product labels do not establish that a particular Bay Area company qualifies or that wording is equivalent across insurers. ^{29,30,31,43,32}

MMA’s business-insurance hub links casualty, property, surety, cyber, executive and professional liability, international placements, captives and small-business programs. Its property page covers commercial property and builders’ risk. Its casualty page includes workers’ compensation. MMA and Marsh sites also market employee health and benefits consulting and placement. MMA’s compensation-guide landing page exists for 2026 but the PDF body was not fully extracted here. ^{41,44,45,46,47,36}

Coalition directs buyers to an appointed insurance broker and offers help finding access if their broker does not offer Coalition. It describes underwriting that considers industry, finances, operations and security posture. ¹³

Coalition’s broker instructions describe adding Tech E&O during the cyber quote process, supplying a product or service description and answering contract-related questions. Some quotes require review before a price is released. ¹²

The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. ^33,34,39

Marsh describes a broker-led placement: identifying insurers for the risk, negotiating coverage and price, and, in core US broking segments, disclosing quotes and premium indications received. It may share incumbent or competing insurer names, pricing objectives, expiring terms, or give an insurer a last look when it believes that is in the client’s interest or the client instructs it. Those market practices are disclosure statements, not a guaranteed outcome or turnaround. ^36,35

Coalition identifies Coalition Insurance Company (NAIC 29530) for admitted cyber and describes CIS as acting for unaffiliated insurers on non-admitted placements. The reviewed sources do not assign a single insurer to every California Tech E&O quote; confirm the named carrier on the quote and policy. ^3,2

Marsh and MMA describe access to multiple insurers rather than a single issuing carrier for all business. MMA says it works with a wide variety of carriers. Stratus is a prior-submit exchange in which participating insurers evaluate each risk individually; the page does not name those insurers. Marsh’s compensation and transparency pages say Marsh or affiliates may receive insurer consulting compensation and may own equity interests in certain insurers or reinsurers, with a list on the transparency site. Victor, an affiliated MGU and wholesale broker, is described as accessing markets retail Marsh US cannot offer directly; that path is documented for some programs and is not assumed for every placement. Ask for the issuing insurer, surplus-lines status and proposed forms on the quote. ^{41,23,35,36,37}

Coalition says independent producers typically receive commissions based on premium for new and renewed policies. Contingent commissions, placement incentives and compensation for certain cybersecurity sales may also apply. ⁴

Coalition says it retains part of earned premiums to fund operations and broker commissions and receives additional carrier payments based on the portfolio’s annual loss ratio. ¹⁶

The reviewed compensation disclosures do not state the commission percentage, broker fee or total premium for a particular startup quote. Obtain an itemized cost and compensation explanation from the placing broker. ^4,16

Marsh’s US compensation guide says it may be paid by insurer retail commissions, client fees (often in a written Client Service Agreement, sometimes crediting commissions), wholesale commissions, insurer consulting compensation, supplemental commissions, compensation for facilities or other insurer arrangements, interest on premium accounts, and other benefits. Marsh says it does not accept contingent commissions on domestic placements for US clients in core broking operations, except for employee health and benefits or when acting as managing general agent or underwriting manager; Marsh McLennan Agency does accept contingent commissions. Standard public premium ranges or a startup fee schedule were not found. Request an account-specific disclosure of commissions, fees, contingent or supplemental amounts, premium finance charges and any affiliated-market compensation. ^36,35,48