Coalition vs Simply Business

Coalition buyers get cyber insurance and risk-management services, with the insurer responsible for policy obligations. In the US, Coalition Insurance Solutions, Inc. is the disclosed producer and surplus-lines broker. ^2,7Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Before relying on a California quote, check the current producer authority: Coalition lists CIS license 0L76155, a company disclosure not independently confirmed with the state regulator. ²Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition Security or independent providers may deliver security services; Coalition’s legal page identifies Coalition Incident Response, Inc. as its operator and says this entity is not an insurer. ²Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. ^19,20,32,21Company-reported. U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved.

You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. ¹³Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. ¹²Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

The company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. ^21,20Company-reported. Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.

Coalition policyholders can use Control at no additional cost for attack-surface and vendor-risk monitoring, vulnerability alerts and guidance; Login Security requires connecting Microsoft or Google, and Coalition sells other security products separately. ⁸Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Plan renewal work early: Coalition says cyber renewals start 90 days before expiry and may be Automatic, Express or Standard. Express renewals need your responses, Standard renewals need a bind order and an updated signed application, and automatic renewal does not guarantee the same premium. ¹⁵Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Simply Business lists licensed-agent phone support Monday through Friday: sales 8 a.m.–8 p.m. Eastern Time and service 9 a.m.–6 p.m. These listed hours do not establish a response-time guarantee. ²¹Company-reported. Hours displayed on the current U.S. contact page; no actual wait-time observation is implied.

The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. ^21,22,20Company-reported. Company-described post-purchase service paths; available tasks may depend on policy and insurer.

The Help Center FAQ says most customers opt into automatic renewal and gives 60-day notice and 30-day processing timing only for those who opt in. The same Help Center summary and June 30, 2026 Terms use broader automatic-renewal wording without the FAQ’s opt-in qualification. The public descriptions conflict; they do not establish which wording applies to every policy. ^22,20Conflicting sources. Company-published descriptions reviewed 2026-09-29. FAQ detail, Help Center summary and Terms are inconsistent; no buyer-specific policy notice was reviewed.

Coalition describes in-house cyber triage and attempts to recover stolen funds, with the same team handling Tech E&O; these service descriptions do not establish response quality or payment for a loss. ^9,1Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. ^20,22Company-reported. General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship.

Technology businesses can ask Coalition about Tech E&O for exposures such as software downtime or failed delivery. ¹Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Large businesses can compare Coalition’s Active Cyber for Enterprises with Allianz; the minimum revenue and underwriting criteria mean startups should not assume they qualify. ¹⁷Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Simply Business says it serves small businesses and solopreneurs and lists examples such as contractors, cleaning businesses, LLCs and sole proprietors. These examples describe its stated audience, not guaranteed insurer eligibility or availability. ^19,24,20Company-reported. Company-described U.S. audience; eligibility varies by insurer, state and business details.

Your broker may receive a premium-based commission plus contingent commissions, placement incentives or cybersecurity-sales compensation, according to Coalition; ask how your placement is compensated. ⁴Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition says it keeps part of earned premium for operations and broker commissions, and may receive additional insurer payments tied to annual portfolio loss ratios. ¹⁶Company-reported. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Get the full price and broker compensation in writing; reviewed disclosures do not state a startup quote’s commission rate, fee or premium. ^4,16Not publicly disclosed. United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

The Terms say Simply Business receives commission or other compensation from or through panel members and that customers may also incur separate processing, administrative, service, installment or cancellation fees. They give no amount or placement-specific applicability; the Terms say charges are disclosed before purchase. ²⁰Company-reported. General disclosure dated 2026-06-30; no specific commission, fee schedule, premium or customer charge was reviewed.