--- title: "Coalition Cyber Insurance" description: "What Coalition Cyber Insurance covers, who it’s for, and its limits and retentions, cited to Coalition’s own published sources." canonical: "https://spot.insure/insurance-providers/coalition/cyber" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/coalition/cyber) # Coalition Cyber Insurance Coalition Active Cyber Insurance 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.) ## Issuing Insurer - 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. [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route.) ## 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.) ## 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.) - 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.) ## 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. [1](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") [6](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?") (Evidence: Company-reported; scope: Excess product help article; limit and retention amounts appear only on quotes.) ## Risk Services - 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. [2](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: Coalition Control policyholder features 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.) ## Claims Support - 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. [1](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified.) ## Coalition Cyber Insurance Compared - [Coalition vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-coalition/cyber) - [Coalition vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-coalition/cyber) - [Coalition vs At-Bay](https://spot.insure/compare/at-bay-vs-coalition/cyber) - [Coalition vs Beazley](https://spot.insure/compare/beazley-vs-coalition/cyber) - [Coalition vs CFC](https://spot.insure/compare/cfc-vs-coalition/cyber) - [Coalition vs Chubb](https://spot.insure/compare/chubb-vs-coalition/cyber) ## Other Coalition Coverage Lines - [Coalition Crime Insurance](https://spot.insure/insurance-providers/coalition/crime) - [Coalition D&O Insurance](https://spot.insure/insurance-providers/coalition/directors-officers) - [Coalition Employment Practices Liability Insurance](https://spot.insure/insurance-providers/coalition/employment-practices) - [Coalition Fiduciary Liability Insurance](https://spot.insure/insurance-providers/coalition/fiduciary) - [Coalition Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/coalition/professional-errors-omissions) - [Coalition Tech E&O Insurance](https://spot.insure/insurance-providers/coalition/technology-errors-omissions) ## Related - [Coalition Profile](https://spot.insure/insurance-providers/coalition) - [Coalition Reliability](https://spot.insure/insurance-providers/coalition/reliability) - [Coalition Alternatives](https://spot.insure/insurance-providers/coalition/alternatives) - [Coverage Guide: Cyber liability](https://spot.insure/coverage/cyber) ## Sources 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/coalition/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)