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

Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ⁵Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹⁴Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

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. ⁶Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route.

The reviewed WTW sources do not identify an issuing insurer for a specific cyber placement. ^14,13,10Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ⁷Company-reported. Availability help article; eligibility for a particular business depends on underwriting.

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Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ⁵Company-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. ⁵Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued.

WTW's FY2024 annual report lists cyber insurance among FINEX solutions; its Digital Infrastructure Protector describes cyber protection as one part of a broader data-center solution. ^13,10Company-reported. Historical group-level FINEX capability and a separately scoped data-center solution; neither source establishes current standalone cyber terms or eligibility.

Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. ^8,5Company-reported. Excess product help article; limit and retention amounts appear only on quotes.

The reviewed sources do not state a buyer-specific cyber limit, retention, or deductible. ^14,13,10Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

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. ¹Company-reported. Coalition Control policyholder features page.

WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹⁴Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ³Company-reported. Qualification help article; restates the verified provider fact broker-application.

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹⁴Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.

Coalition describes an in-house cyber claims team and an affiliated incident response firm, Coalition Incident Response, and says it often recovers stolen funds after transfer fraud. ⁵Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified.

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