---
title: "Coalition vs Risklytics: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-risklytics/cyber"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-risklytics"
provider-a: "coalition"
provider-b: "risklytics"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/coalition-vs-risklytics/cyber)

## Agent Guide

**What this page is:** Focused comparison of Coalition and Risklytics for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Coalition versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Coalition vs Risklytics for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Coalition or Risklytics?
- What does Coalition or Risklytics publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Coalition and Risklytics.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Coalition vs Risklytics](https://spot.insure/compare/coalition-vs-risklytics) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 includes Control monitoring on a designed policy; Risklytics places cyber online with no extra broker fee and cites a typical $1 million contract ask.

## Coalition vs Risklytics Cyber Insurance Summary

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](https://www.coalitioninc.com/control "Coalition Control") [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [8](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## 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](https://www.coalitioninc.com/control "Coalition Control") [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [8](https://www.risklytics.ai/about/ "About Risklytics: who we are")

Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?") [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")

### 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](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [5](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?")

## 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](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")
- Ask Coalition for breach-response versus main limits. [1](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance")
- Confirm there is no producer fee on the Risklytics invoice besides premium. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## Coalition vs Risklytics Cyber Insurance Compared

| 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](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?") [1](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage "Where does Coalition offer cyber insurance coverage?") (Evidence: Company-reported; scope: 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. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. [5](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [8](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Product-page description; the issued policy and declarations control..)<br><br>Coalition lists pay-on-behalf cyber extortion coverage, funds transfer fraud and business interruption losses among its cyber coverages. [1](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [8](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [2](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: 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. [7](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About Coalition and Risklytics and Cyber Insurance

- [Coalition company profile](https://spot.insure/insurance-providers/coalition) · [Coalition customer reviews](https://spot.insure/insurance-providers/coalition/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Coalition vs Risklytics Cyber Insurance

- [Coalition vs Risklytics](https://spot.insure/compare/coalition-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Coalition Cyber Insurance](https://spot.insure/insurance-providers/coalition/cyber)
- [Risklytics Cyber Insurance](https://spot.insure/insurance-providers/risklytics/cyber)

## Sources for Coalition vs Risklytics Cyber Insurance

### Sources About Coalition

1. [Active Cyber Insurance](https://www.coalitioninc.com/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.
2. [Coalition Control](https://www.coalitioninc.com/control). Coalition; Policyholder Features: attack surface monitoring, Login Security, Cyber Health Rating, third-party risk management, zero-day alerts. Accessed 2026-09-23.
3. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
4. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage). Coalition; United States. Accessed 2026-09-16.
5. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
6. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage). Coalition; What excess products does Coalition offer, and in what regions?. Accessed 2026-09-16.

### Sources About Risklytics

7. [Cyber Liability Insurance](https://www.risklytics.ai/lines/cyber/). Risklytics; Coverage line: Cyber Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
8. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
9. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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