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

TechInsurance reports a median of $129 a month and lists exclusions; Coalition includes Coalition Control at no additional cost, with vendor risk monitoring and login security.

Coalition designs Active Cyber Insurance and includes Control monitoring. TechInsurance arranges cyber as a standalone policy, often bundled with technology E&O, and says its policyholders pay a median of $129 a month based on its own customer data. ^1,⁷

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

Designed Policy With Monitoring Versus a Published Median Price

Coalition designs Active Cyber and includes Control, without publishing a premium median. TechInsurance arranges cyber liability, often bundled with technology E&O, and reports a median of $129 per month, or about $1,552 a year, from its own customer data. You can compare a TechInsurance quote to that median; Coalition makes you wait for the brokered number. Choose TechInsurance if you want an online application and a published cost benchmark, possibly with tech E&O; choose Coalition if you want a designed form plus monitoring. ² ⁷

TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. ⁷Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Same-Day Certificate Versus Broker Appointment

TechInsurance says you request quotes online through a short application, a licensed agent can help, and a certificate is typically available the same day. Coalition is sold only through appointed brokers. Speed to a certificate is the TechInsurance pitch; Coalition's pitch is the product and Control. ⁷ ⁵

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

Ask TechInsurance which carriers quoted and whether cyber is standalone or in a tech E&O package. ⁷
Ask Coalition for breach-response versus main limits. ¹
Ask TechInsurance what the $129 median cohort includes before you treat it as your price. ⁷

Coalition vs TechInsurance Cyber Insurance Compared

Coalition vs TechInsurance: Cyber Insurance: documented features by provider

Criteria	Coalition Active Cyber Insurance	TechInsurance 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.	TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. ⁷Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
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.	TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. ⁷Company-reported. Who needs cyber liability insurance section of the product 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 request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. ⁷Company-reported. Cyber liability product page application and certificate sections.
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.	TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. ⁷Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. ⁷Company-reported. What isn't covered by cyber liability insurance section of the product page.
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.	TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. ⁷Company-reported. Cyber liability product page.