What Is Coalition Insurance?
Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. 1,2,3,4
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 9,10,11
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 13,14
Key Differences in Cyber Insurance
Coalition Separates Breach-Response Costs
Coalition says breach-response expenses receive a separate limit, so those costs do not consume the limit for other coverages. Nationwide’s overview describes expenses associated with an attack or data breach but does not state whether response costs have a separate limit. This distinction affects how much may remain for liability or interruption after a breach; request the limit structure and wording from both providers. 5 12
Coalition Includes Named Security Tools With Its Policy
Coalition says policyholders receive Coalition Control at no additional cost, including attack-surface and vendor-risk monitoring, zero-day alerts and account login security for Microsoft or Google. Nationwide’s reviewed product overview describes a quote route but does not outline comparable ongoing tools. Ask Nationwide’s agent what prevention resources accompany the policy, and check which Coalition features are available for your systems. 1 12
Coalition Discloses More About Its Carrier Route
Coalition says admitted policies are issued by Coalition Insurance Company, while surplus-lines policies use unaffiliated insurers; Nationwide’s overview does not identify the issuer for a particular quote. In either case, the named company on the declarations matters for your risk and jurisdiction. Coalition also states availability in all 50 states and D.C.; obtain written confirmation of Nationwide’s availability and the actual issuing insurer. 5 12
What to Confirm in Cyber Insurance Quotes
- Compare Coalition’s separate response limit with Nationwide’s proposed response-cost treatment, including whether response expenses reduce another aggregate or carry a sublimit. 5 12
- Ask each provider for the issuing insurer, exact jurisdiction availability and included security or incident-response services. 7 12
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 reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
Coalition vs Nationwide: Cyber Insurance: documented features by provider
| Criteria | Coalition Active Cyber Insurance | Nationwide cyber (official overview) |
|---|---|---|
| Role in This Line | 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. | Nationwide describes offering cyber for the audience stated on the cited product page. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | 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. 6Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route. | Confirm in your quote. |
| Who It’s For | Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. 7Company-reported. Availability help article; eligibility for a particular business depends on underwriting. | Businesses addressing cyber and data-breach risks; specific eligibility and coverage depend on quote and policy. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | 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. | The cited product page describes cyber liability and data-breach insurance addressing expenses associated with a cyberattack or data breach. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 8,5Company-reported. Excess product help article; limit and retention amounts appear only on quotes. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 12Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | 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. 1Company-reported. Coalition Control policyholder features page. | Confirm in your quote. |
| How to Apply | You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. 3Company-reported. Qualification help article; restates the verified provider fact broker-application. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 12Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| 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. 5Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified. | Confirm in your quote. |
Full Comparison
More Coalition vs Nationwide Comparisons
Other Cyber Insurance Comparisons
Sources
Coalition
- Coalition Control. Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.
- 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.
- How do I qualify for and buy cyber insurance from Coalition? Coalition; Eligibility; broker contact; underwriting paragraphs. 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.
- Active Cyber Insurance. Coalition; Cyber coverage tailored to your organization’s cyber risk needs: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud recovery, business interruption; Our Claims Approach; Coalition Incident Response. Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
- Where does Coalition offer cyber insurance coverage? Coalition; United States. Accessed 2026-09-16.
- Does Coalition offer Excess coverage? Coalition; What excess products does Coalition offer, and in what regions? Accessed 2026-09-16.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Cyber Liability & Data Breach Insurance. Nationwide; Cyber liability page; cyberattack/data-breach coverage overview and response resources. Accessed 2026-09-30.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
