Coalition vs Risklytics: How Do They Compare for Cyber Insurance?

Risklytics places cyber for robotics and AI firms and notes contracts ask for $1 million or more; Coalition designs its own policy with monitoring and a separate breach-response limit.

Coalition designs Active Cyber Insurance and includes Control monitoring. Risklytics places Cyber Liability with outside carriers through an online application, says there is no broker fee on top of premium, and cites a typical enterprise-contract ask of $1 million or more. ^2,^9,⁸

What Are the Key Differences Between Coalition and Risklytics Cyber Insurance?

Included Monitoring Versus an Online Placement

Coalition includes Control with a designed policy sold through appointed brokers. Risklytics is a licensed producer that places Cyber Liability with outside carriers, starts through an online application, says there is no broker fee on top of premium, and keeps a licensed producer on the file until bind. Choose Coalition if you want monitoring bundled with a designed form; choose Risklytics if you want an online placement with no added broker fee and a producer on the file. ² ⁹ ⁸

Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. ⁷Company-reported. Lines page; actual limits are set on the bound policy.

Coalition does not publish a comparable contract-ask figure. Risklytics' $1 million is a typical ask, not a quoted limit. ⁶ ⁷

When the Pages Say You Need the Line

Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. Coalition's qualification page focuses on brokered underwriting of industry, finances, operations, and security posture. ⁷ ⁵

What Should You Confirm in Coalition and Risklytics Cyber Insurance Quotes?

Ask Risklytics which specialist insurer is quoting and whether prompt-injection or model-leak wording is covered. ⁷
Ask Coalition for breach-response versus main limits. ¹
Confirm there is no producer fee on the Risklytics invoice besides premium. ⁹

Coalition vs Risklytics Cyber Insurance Compared

Coalition vs Risklytics: Cyber Insurance: documented features by provider

Criteria	Coalition Active Cyber Insurance	Risklytics Cyber Liability Insurance
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 Its public pages do not publish maximum primary limits or retentions. ^6,¹Company-reported. Excess product help article; limit and retention amounts appear only on quotes.	Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. ⁷Company-reported. Lines page; actual limits are set on the bound policy.
Who It’s For	Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ⁴Company-reported. Availability help article; eligibility for a particular business depends on underwriting.	Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. ⁷Company-reported. Lines page.
How to Apply	You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ⁵Company-reported. Qualification help article; restates the verified provider fact broker-application.	You start Risklytics Cyber Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^9,⁸Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ¹Company-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. ¹Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued.	Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. ⁷Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ¹Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. ⁸Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
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. ³Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route.	Risklytics does not name the carrier that underwrites Risklytics Cyber Liability Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^7,⁸Company-reported. Lines page and about page; no specific insurer is published for this line.
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. ²Company-reported. Coalition Control policyholder features page.	Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. ⁷Company-reported. Lines page.