Coalition vs RiskCube 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.

RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ¹⁴Company-reported. Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options.

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.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including cyber, are underwritten and issued by third-party carriers it does not name; the cyber page itself does not identify an issuing insurer. ^13,14Company-reported. Company-wide entity and licensing disclosure and the cyber product page as read on 2026-09-23.

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.

RiskCube targets cyber coverage at AI and data companies, cloud/DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies. ¹⁴Company-reported. Cyber product page "Who needs cyber insurance" section.

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.

RiskCube describes cyber coverage as combining first-party costs such as breach response, ransomware negotiation, forensics and data or asset recovery, with third-party liability for claims by customers, regulators, vendors or partners. ¹⁴Company-reported. Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections.

RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. ¹⁴Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" section.

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.

RiskCube says needed cyber limits depend on enterprise contract requirements, customer data exposure and revenue, but does not publish specific limit or retention amounts on the product page. ¹⁴Not publicly disclosed. Cyber product page "How much cyber insurance do startups usually purchase" FAQ.

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.

RiskCube describes a roughly 10-minute digital intake, then its AI agents and licensed brokers comparing carrier quotes, typically delivering cyber quotes and a vendor-ready certificate of insurance within about 24 hours. ¹⁴Company-reported. Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ.

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.

The reviewed cyber page does not describe claims handling or a dedicated claims team for this line. ¹⁴Not found in reviewed sources. Cyber product page as read on 2026-09-23.