Coalition vs 
Marsh: How Do They Compare for Cyber Insurance?
Marsh offers advisor-led placement, with its Cyber ECHO excess facility providing over $200 million of capacity per client; Coalition designs its own policy and offers surplus lines excess cyber above an underlying policy.
Coalition designs Active Cyber Insurance with Control monitoring for a brokered purchase. Marsh places cyber as a brokerage and says its Cyber ECHO excess facility can provide over $200 million of capacity per client, with claims specialists advocating after an incident. 1,8
What Are the Key Differences Between Coalition and Marsh Cyber Insurance?
Designed Primary Versus Tower Capacity
Coalition designs a primary-style Active Cyber product with a separate breach-response limit and optional surplus-lines excess above an underlying policy, without publishing primary maximums. Marsh does not underwrite; it places cyber and says Cyber ECHO can provide over $200 million of excess capacity per client, with a free first reinstatement and a paid second. If you need a tower, Marsh is describing a different scale than Coalition's public pages. Choose Coalition if you want a designed primary plus monitoring; choose Marsh if you need brokered placement and large excess capacity. 1 6 8
Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. 8Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit.
Claims Help After an Incident
Coalition describes an in-house cyber claims team and Coalition Incident Response. Marsh's specialists review claims, support litigation management, and work with forensic accountants on proof of loss, advocating with insurers. One is the product's own claims unit; the other is a broker advocating against carriers. 1 9
What Should You Confirm in Coalition and Marsh Cyber Insurance Quotes?
Coalition vs Marsh Cyber Insurance Compared
Coalition vs Marsh: Cyber Insurance: documented features by provider
| Criteria | Coalition Active Cyber Insurance | Marsh Cyber Insurance Brokerage |
|---|---|---|
| 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 Its public pages do not publish maximum primary limits or retentions. 6,1Company-reported. Excess product help article; limit and retention amounts appear only on quotes. | Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. 8Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit. |
| Who It’s For | Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. 4Company-reported. Availability help article; eligibility for a particular business depends on underwriting. | MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. 10Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally. |
| How to Apply | You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. 5Company-reported. Qualification help article; restates the verified provider fact broker-application. | You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. 7,10Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders. |
| Coverage Features | Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. 1Company-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. 1Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued. | MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. 10Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement. |
| Role in This Line | Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. 1Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page. | Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. 7Company-reported. Marsh corporate cyber insurance product page. Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. 10Company-reported. MMA cyber solutions page. |
| 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. 1Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified. | Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. 9Company-reported. Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified. |
