Coalition vs Marsh Cyber Insurance

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.

Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. ¹⁵Company-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. ¹⁸Company-reported. MMA cyber solutions page.

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. ⁷Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route.

The reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. ¹⁶Not publicly disclosed. Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places.

Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ⁸Company-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. ¹⁸Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally.

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.

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. ¹⁸Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement.

Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. ^10,5Company-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. ¹⁶Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit.

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. ⁶Company-reported. Coalition Control policyholder features page.

Not described in the reviewed sources.

You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ⁹Company-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. ^15,18Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders.

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.

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. ¹⁷Company-reported. Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified.