What Is Coalition Insurance?

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

If you sell software or technology services, test the proposal against your customer contracts: what happens after a failed delivery, an outage or a customer demand for compensation. The product label won't answer that. ¹

• +Pro:

  Cyber and Tech E&O in one program.

  Technology companies can combine cyber insurance with Tech E&O for covered third-party financial losses caused by errors, omissions or negligence in a product or service. ¹Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

  Ask the broker to map both parts to your customer contract requirements.

• +Pro:

  Security monitoring comes with the policy.

  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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

  The tools only help if someone on your team acts on the alerts.

• +Pro:

  More limit when a customer asks for it.

  If your primary cyber limit is too low, Coalition lists US surplus-lines cyber excess, with combined Tech E&O and MPL excess options, above an underlying policy. It is not a general commercial umbrella, it needs underlying policy details and loss runs, and the primary insurer leads the claims response. ¹⁴Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

• –Con:

  No direct purchase.

  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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

  If you want to quote and buy online in one sitting, Coalition isn't built for that.

• –Con:

  Tech E&O isn't on every cyber policy.

  California buyers can ask about admitted or surplus cyber; Coalition lists Tech E&O and MPL under surplus coverage, but the exact Tech E&O form and applicant approval still need confirmation. ^10,11Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

  If you're quoted admitted cyber, don't assume it includes the technology coverage listed on the surplus-lines product.

• –Con:

  You won't know the cost until you quote.

  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 disclosedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

• –Con:

  Renewals can take work.

  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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

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-reportedUnited 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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Write down what you build, host, integrate or advise on, and which obligations you accept in contracts. Ask the broker to list any open conditions before you treat a quote as ready to bind. ¹²

Ask who will issue your policy because admitted cyber uses Coalition Insurance Company while surplus placements use unaffiliated insurers; reviewed sources do not identify one insurer for every California Tech E&O quote. ^3,2Company-reportedUnited 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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Coalition cyber may help with breach response, extortion and business interruption, subject to the issued policy. ⁷Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Some Coalition cyber policies can add miscellaneous professional liability for professional-service errors and omissions, including defense, settlements and judgments; confirm eligibility and wording. ⁶Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

If you mix software with consulting, ask which activities fall under Tech E&O and which under professional liability, and have the answer written into the quote's description of your services.

Coalition’s executive suite lets organizations consider D&O, employment practices, fiduciary and crime coverage for management, workplace, benefit-plan and criminal-loss exposures. ⁵Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Private and nonprofit organizations may fit Coalition’s stated Executive Risks appetite up to $500 million in assets, 1,000 employees and $500 million in plan assets across the US and DC; limitations apply. ⁵Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Recheck eligibility after a change in ownership, headcount or benefit plans rather than relying on an earlier quote.

Eligible businesses may use existing Active Cyber agreements, media liability or Tech E&O for some AI-related losses, and can ask about a Deepfake Response endorsement; this is not blanket AI liability or a model-performance warranty. ¹⁸Company-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

If AI is part of your product, describe what it actually does and ask about erroneous outputs, performance degradation, data use and intellectual-property allegations. Get the wording, not a general statement that AI is covered. ¹⁸

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-reportedUnited 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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Ask which monitoring and response services come with your policy, which need activation and which need a separate contract.

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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Know whom to call during an incident, when formal notice is due and whose approval you need before hiring outside counsel or response vendors. Getting early help and having a claim accepted are different steps. ⁹

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-reportedUnited 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-reportedUnited States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.

Bring the proposed wording and your largest customer contracts:

• –Which policy you're getting: Which insurer issues each coverage, is it admitted or surplus lines, and which Tech E&O form and endorsements apply? ¹¹
• –Your actual services: Are software, implementation, consulting and AI work described accurately? How do contract liability, missed delivery and intellectual-property terms affect the coverage? ^12 18
• –Usable limits: Are cyber and E&O limits shared, do defense costs reduce them, and what retentions, sublimits and reporting dates apply? If you buy excess, how does it follow the primary policy? ^1 14
• –Who does what: Who receives security alerts, answers renewal requests and reports incidents? Which services need a separate agreement? ^8 15 9
• –Total cost: Premium, taxes, broker fees, commissions and any charges for extra security services. ⁴