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

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

## Agent Guide

**What this page is:** Focused comparison of Coalition and TechInsurance 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 TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Cyber Insurance. Providers: Coalition and TechInsurance.
- 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 TechInsurance](https://spot.insure/compare/coalition-vs-techinsurance) — 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
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 includes monitoring on a designed policy; TechInsurance reports a $129 monthly median and often bundles cyber with technology E&O.

## Coalition vs TechInsurance Cyber Insurance Summary

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](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")

## 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](https://www.coalitioninc.com/control "Coalition Control") [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare 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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") [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 TechInsurance Cyber Insurance Quotes?

- Ask TechInsurance which carriers quoted and whether cyber is standalone or in a tech E&O package. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- Ask Coalition for breach-response versus main limits. [1](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance")
- Ask TechInsurance what the $129 median cohort includes before you treat it as your price. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")

## Coalition vs TechInsurance Cyber Insurance Compared

| 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](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..) | 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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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..) | 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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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 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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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..) | 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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page; coverage described in general terms, not a specific policy form..)<br><br>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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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..) | 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. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page..) |

## About Coalition and TechInsurance and Cyber Insurance

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

## Related Pages for Coalition vs TechInsurance Cyber Insurance

- [Coalition vs TechInsurance](https://spot.insure/compare/coalition-vs-techinsurance): 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)
- [TechInsurance Cyber Insurance](https://spot.insure/insurance-providers/techinsurance/cyber)

## Sources for Coalition vs TechInsurance 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 TechInsurance

7. [Cyber Liability Insurance – Compare Quotes](https://www.techinsurance.com/cyber-liability-insurance). TechInsurance; What does cyber liability insurance cover?; First-party vs third-party coverage sections; How much does cyber liability insurance cost?; Who needs cyber liability insurance?; What isn't covered by cyber liability insurance?. Accessed 2026-09-23.
8. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Cyber liability insurance card under Top recommended small business insurance policies. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/coalition-vs-techinsurance/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)