Coalition vs Relm Insurance

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

Relm Insurance is a specialty insurance business serving emerging industries, including artificial intelligence. Its Bermuda insurer and US distribution operation have distinct roles. ^19,21,20

Relm identifies Relm Insurance Ltd. as its Bermuda-regulated insurer and Relm US Insurance Solutions Inc. as a US licensed producer. It describes its US operation as a managing general agent (MGA), an intermediary with delegated insurance authority. The Bermuda entity says it deals only through appropriately licensed brokers. ^20,21

Coalition states that Executive Risks is available to private and nonprofit U.S. organizations in all states and Washington, D.C., with up to $500 million in assets, 1,000 employees and $500 million in plan assets, subject to limitations. ⁵

Coalition’s help center states that admitted and surplus cyber policies are offered in all 50 states and D.C., including California. Its product comparison lists Tech E&O and MPL under surplus coverage. This documents a California cyber placement route, but does not establish approval or the exact Tech E&O form for a particular applicant. ^10,11

Relm’s legal page lists California insurance producer license 6013054 for Relm US Insurance Solutions Inc. This is company-reported and was not independently verified in a regulator record; that row does not list a California surplus-lines license. ²⁰

The reviewed AI product, US MGA and legal pages do not establish the issuing insurer, admitted or surplus-lines status, or placing broker for a California NOVAAI, PONTAAI or RESCAAI policy. California product availability remains to be confirmed for the applicant. ^20,21,24

Coalition describes Control policyholder features at no additional cost, including attack-surface monitoring, vendor-risk monitoring, vulnerability alerts and guidance. Login Security requires connecting a Microsoft or Google environment. Additional security products are promoted separately. ⁸

Coalition says cyber renewals begin 90 days before expiration and follow Automatic, Express or Standard paths based on the account. Express renewals require responses; Standard renewals require a bind order and updated signed application, with additional underwriting conditions for some accounts. Automatic renewal does not guarantee an unchanged premium. ¹⁵

The reviewed contact and terms pages provide general-inquiry and complaint channels but do not explain a customer self-service portal, certificate turnaround, endorsement process or renewal timetable. Ask which tasks your broker, the MGA and the issuing insurer will handle. ^29,31

Coalition describes in-house cyber claims triage and assistance attempting to recover stolen funds. Its Tech E&O page says the same claims team manages cyber and Tech E&O claims. These service descriptions do not establish response quality or payment of a particular loss. ^9,1

Relm says its claims team manages claims and offers a dedicated concierge within 24 hours of notification. This is a company service statement, not an independently measured response or settlement record. Its terms name Crawford & Co. for global claims response and KSW for US response; confirm the notice instructions in the actual policy. ^30,31