Coalition vs Resilience

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

Resilience advertises cyber coverage on primary and excess placements, with limits up to $20 million. Its product page describes privacy wrongful acts and eCrime, with eCrime limits up to $500,000; the quote must confirm applicable sublimits and conditions. ²¹

Resilience markets technology E&O for liability arising from technology businesses and advertises $10 million limits for US primary and excess placements. ²²

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

Resilience markets cyber and technology E&O in the United States. The reviewed product and legal pages do not establish the California-specific placement route, insurer selection or admitted versus surplus-lines status for either product. ^21,22,20

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

Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. ^26,27

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. ²⁰

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. ^23,21,22

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

Resilience describes a 24/7 in-house claims team, a dedicated claims manager through settlement, and outside specialists in privacy law, forensics, recovery and crisis communications. These are company-reported service arrangements, not independently measured claims quality. ²⁴