How Reliable Is Coalition?
Coalition reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.
Assessment
These scores use different criteria and cannot be read against each other.
Broker Spot Score
6.3/ 10This partial Broker Spot Score covers identity and authority, carrier-network strength, disclosure clarity within the stated scope. It uses 75% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 75% of this rubric’s factor weighting. Excluded: Regulatory Conduct
Assessed 2026-09-22 · Review due 2026-10-22
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | 40.0%normalized | 3.0 / 4 | [1][2][6][5][7][8][9][10] |
| Carrier-Network Strength | 30% | 40.0%normalized | 2.2 / 4 | [1][2][8][9][3] |
| Regulatory Conduct | 25% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 15% | 20.0%normalized | 2.3 / 4 | [1][2][6][5][7][8][9][10][3][4] |
Included weights are normalized over the supported factors.
Carrier & MGA Spot Score
6.2/ 10This partial Carrier & MGA Spot Score covers identity and authority, claims and servicing, carrier-network strength, disclosure clarity within the stated scope. It uses 60% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 60% of this rubric’s factor weighting. Excluded: Financial Resilience, Regulatory Conduct
Assessed 2026-09-22 · Review due 2026-10-22
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 15% | 25.0%normalized | 2.7 / 4 | [1][2][6][5][7][8][9][10] |
| Financial Resilience | 20% | — | Excluded | The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role. |
| Claims and Servicing | 20% | 33.3%normalized | 2.1 / 4 | [1][2][8][9][3][4] |
| Carrier-Network Strength | 15% | 25.0%normalized | 2.1 / 4 | [1][2][8][9][3] |
| Regulatory Conduct | 20% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 10% | 16.7%normalized | 3.7 / 4 | [1][2][6][5][7][8][9][10][3][4] |
Included weights are normalized over the supported factors.
Evidence and Scope
Role: Hybrid provider. Scope: Coalition's US cyber and technology-errors-and-omissions activity at the named-entity level. Producer, surplus-lines, Texas managing-general-agency and Texas adjuster authority is verified for Coalition Insurance Solutions, Inc. in Georgia, Texas, Pennsylvania and Colorado only. Capacity is assessed for two named programmes and no others. For the admitted cyber programme, the issuer is Coalition Insurance Company, NAIC 29530, whose Georgia, Texas and Pennsylvania authorisations are verified, whose appointment of Coalition Insurance Solutions is recorded in Texas and Pennsylvania, and whose AM Best A- rating was affirmed in March 2024; the reinsurance panel behind it is undisclosed. For the Coalition Re programme of cyber reinsurance treaties and white-labelled cover, the capacity panel is led by Aspen on Coalition's own statement; that evidence reaches Coalition Re only and not the carrier's paper. The non-admitted cyber and executive-risk programmes, which Coalition places with unaffiliated insurers, have no evidenced panel and are not assessed. Coalition Incident Response, Inc. is a separate security-services entity and is out of scope.
Legal Identity
Licensing
Coalition publishes NPN 18419475 and a state table that lists California 0L76155 and Wisconsin 3000108852 for Coalition Insurance Solutions, Inc. The disclosures are company-reported; the NPN is retained as an identifier and not treated as state authority.[1]
The reviewed regulator lookup routes provide the correct agency/company search paths, but current authority was not independently established for the exact entity.[6][5]
Four of the jurisdictions in Coalition's published table were checked against state records on 22 September 2026 and all four are current for Coalition Insurance Solutions, Inc. under NPN 18419475: Georgia Principal Agency - Nonresident 196479, Texas General Lines Agency 2199630 with Surplus Lines Agency 2205589, Pennsylvania Producer 815731 with Non-Resident Surplus Lines 817452, and Colorado Non-Resident Agency 539028 carrying surplus-lines, casualty and property lines. Texas records two further active licences the company table does not mention: a Managing General Agency licence, 3004944, with an active MGA - Property and Casualty qualification, and an Adjuster licence, 3184847, with an active Property & Casualty adjuster qualification. Those are Texas authorities and do not evidence delegated underwriting or adjusting authority in any other state. The other 47 jurisdictions remain company-reported.[7][8][9][10][1]
Financial Strength
Coalition identifies Coalition Insurance Company as a wholly owned admitted carrier with an A- (Excellent) AM Best financial-strength rating, affirmed March 28, 2024 with stable outlook. The announcement says CIC products are reinsured by a panel, but it does not provide statutory surplus or a complete current reinsurance schedule.[3]
State company records independently confirm Coalition Insurance Company as an authorised insurer rather than a brand: NAIC 29530, domiciled in New York, shown active in Georgia since 11 May 2020, in Texas since 5 October 1990 and in Pennsylvania since 12 October 1990. Authorisation is not capital. No statutory annual statement, policyholder surplus figure or current exact-entity rating action for Coalition Insurance Company was obtainable, and the AM Best A- is a company announcement dated March 2024 rather than a current rating-agency record.[11][3]
The rating is now sourced from the rating agency rather than from Coalition. AM Best's own release of 28 March 2024 affirms Coalition Insurance Company of New York, AMB number 020646, at a Financial Strength Rating of A- (Excellent) and a Long-Term Issuer Credit Rating of 'a-' (Excellent), both with a stable outlook, and assesses the balance sheet strength as very strong on the strength of 'the strongest level of risk-adjusted capitalization, as measured by Best's Capital Adequacy Ratio (BCAR), surplus growth, conservative loss reserves and low underwriting leverage produced in the first nine months of operation and its five-year pro forma'. Two qualifications travel with that. The action is two and a half years old at this assessment date, so it is the most recent rating evidence obtainable rather than a current one, and the capitalisation assessment it rests on was formed on nine months of operating experience plus a projection. It is an opinion on capital adequacy, not a statutory statement: no annual statement or surplus figure for the company was obtainable.[12]
Risk Bearing
Coalition's licenses and U.S. disclaimers distinguish Coalition Insurance Company from Coalition Insurance Solutions, Inc. and state that the policy identifies the applicable carrier. Product/state issuer and capacity remain specific to the policy; no single carrier or exposure share is assigned to the entire Coalition catalogue.[1]
The capacity behind the admitted cyber programme is evidenced and named; the rest is not. Coalition's disclaimer places policy obligations on admitted products with Coalition Insurance Company alone, and Texas and Pennsylvania both record an active appointment of Coalition Insurance Solutions, Inc. by that carrier, from March 2023. The same state records show two further active appointments in both states, Swiss Re Corporate Solutions America Insurance Corporation (NAIC 29874) since December 2017 and Zurich American Insurance Company (NAIC 16535) since 2021, and three Zurich-group appointments that were terminated on 21 October 2024. Coalition separately publishes a fifteen-carrier list, which is a company disclosure of markets rather than evidence of which insurer stands behind a given programme. Nothing here establishes the panel behind Coalition's non-admitted cyber or executive-risk products, and the March 2024 announcement's statement that CIC products are reinsured by a panel of reinsurance carriers names no reinsurer, share or term.[2][8][9][1][3]
A second Coalition programme has named capacity, and it is not the one that issues the policies. Coalition Re, announced on 8 September 2024, provides capacity for non-proportional cyber reinsurance treaties and a white-labelled cyber product carrying up to 100% quota share support for cedants, and Coalition states both are 'supported by a robust panel of capacity providers led by Aspen, a leading specialty insurer and reinsurer'. That names a lead for the Coalition Re programme. It says nothing about the panel behind Coalition Insurance Company's admitted cyber paper: the announcement names no other panel member, does not say which Coalition entity houses Coalition Re, and draws no connection to the carrier's own operations. The reinsurance standing behind a buyer's admitted Coalition policy is still described only as 'a panel of reinsurance carriers', with no reinsurer, share or term named, and AM Best's rating release makes no statement about it either.[13][3][12]
Claims Service
Coalition describes pre-claims assistance and Claims Advantage as parts of its cyber offering. Those pages document support and response functions; they do not by themselves establish who owes the policy claim or the outcome of a claim.[4]
Coalition's US disclaimers settle where claims responsibility sits: 'Policy obligations are the sole responsibility of the issuing insurance carrier', and for admitted products 'Policy obligations are the sole responsibility of CIC'. Non-admitted cyber is offered through Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies, so on those policies the obligation rests with whichever of those insurers issued the contract. Coalition also holds an active Texas Property & Casualty adjuster licence in the producer entity's own name, which evidences in-house adjusting authority in Texas and nowhere else; no third-party administrator is named for any programme.[2][8]
Regulatory Record
The reviewed public disclosures do not establish a completed five-year conduct result for Coalition Insurance Solutions, Inc., Coalition Insurance Company or Coalition Incident Response, Inc. Current authority and conduct status require exact-entity regulator checks.[1][6][5]
Seven state records were retrieved across the producer and the carrier and none carries a restriction, suspension or adverse notation; the only terminations shown are three Zurich-group carrier appointments ended on 21 October 2024, which is a commercial change rather than a finding. A licence status is not a conduct search, and no completed five-year conduct result exists for any Coalition entity.[7][8][9][11]
Evidence gaps
- Independent verification of the 47 jurisdictions in Coalition's published table that were not checked, and of the designated responsible producer behind each agency licence.
- Statutory financial statements and a policyholder surplus figure for Coalition Insurance Company. AM Best's rating release gives a capital-adequacy opinion, not figures, and its ratings site was not available. The affirmation dates from 28 March 2024 and no later rating action was obtainable, so the rating evidence is two and a half years old at this assessment date.
- The reinsurance panel behind Coalition Insurance Company. Coalition says its products are reinsured by a panel of reinsurance carriers and names no reinsurer, layer, share or collateral; AM Best's rating release makes no statement about the programme either. The Aspen-led panel disclosed for Coalition Re is a different programme and does not stand behind the carrier's admitted paper.
- The insurers behind the non-admitted cyber and executive-risk programmes. Coalition's disclaimer says these are placed with unaffiliated insurance companies; the fifteen-carrier list is a markets disclosure and does not map a carrier to a programme, a state or a share.
- Whether the Texas managing-general-agency and adjuster authorities have counterparts in other states; delegated underwriting and in-house adjusting are evidenced in Texas only.
- A five-year regulatory conduct result for Coalition Insurance Solutions, Inc., Coalition Insurance Company and Coalition Incident Response, Inc.
- Coalition Re's panel is named only as being led by Aspen. No other capacity provider, share or treaty term is disclosed, and the announcement does not say which Coalition legal entity houses Coalition Re.
Jurisdiction searches
| Jurisdiction | Result | Notes |
|---|---|---|
 CaliforniaCalifornia Department of Insurance | Source inaccessible[6] | The California business-name lookup for Coalition Insurance Solutions, Inc. was attempted on 22 September 2026; the California lookup was not available, so current California authority was not established. |
 WisconsinWisconsin Office of the Commissioner of Insurance | Not researched[5] | Reviewed Wisconsin OCI lookup instructions; current authority was not independently established. |
 United States | Not researched[1] | Four of the 51 jurisdictions in Coalition's state table were reconciled to state records; the remaining 47 were not checked. |
 Georgia | Verified regulator result[7][11] | Producer 196479 Active to 07-31-2027 with Casualty and Property active; Coalition Insurance Company NAIC 29530 active as a Property and Casualty company since 05-11-2020. |
 Texas | Verified regulator result[8][11] | General Lines Agency 2199630, Surplus Lines Agency 2205589, Managing General Agency 3004944 and Adjuster 3184847 all Active; three active carrier appointments including Coalition Insurance Company; the carrier itself active as Fire and Casualty since 10-05-1990. |
 Pennsylvania | Verified regulator result[9][11] | Producer 815731 and Non-Resident Surplus Lines 817452 Active, with a duplicate Non-Resident Producer Agency row Inactive effective 09-10-2026; three active carrier appointments; Coalition Insurance Company active as Casualty since 10-12-1990. |
 Colorado | Verified regulator result[10] | Non-Resident Agency 539028 Active to 07-01-2027 with Surplus Lines, Casualty and Property active. |
Licenses and Authority
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| Coalition Insurance Solutions, Inc.United States | National Producer Number: 18419475[1] | National Producer Number; Identifier only; NPN does not establish current state authority |
| Coalition Insurance Solutions, Inc.California | State license: 0L76155[1] | producer and surplus-lines license as listed by Coalition; Company-disclosed authority; current regulator status not independently verified |
| Coalition Insurance Solutions, Inc.Wisconsin | State license: 3000108852[1] | producer license as listed by Coalition; Company-disclosed authority; current regulator status not independently verified |
| Coalition Insurance Solutions, Inc.Georgia | State license: 196479[7] | Principal Agency - Nonresident; Georgia record retrieved 22 September 2026 shows Status Active to 07-31-2027 with Casualty and Property lines active |
| Coalition Insurance Solutions, Inc.Texas | State license: 2199630[8] | General Lines Agency; Texas record retrieved 22 September 2026 shows Status Active to 07-20-2027 with the Property and Casualty qualification active |
| Coalition Insurance Solutions, Inc.Texas | State license: 3004944[8] | Managing General Agency; Texas record retrieved 22 September 2026 shows Status Active from 05-12-2023 with the MGA - Property and Casualty qualification active; this is delegated underwriting authority in Texas, not a nationwide delegation |
| Coalition Insurance Solutions, Inc.Texas | State license: 3184847[8] | Adjuster; Texas record retrieved 22 September 2026 shows Status Active from 06-06-2024 with the Adjuster - Property & Casualty qualification active |
| Coalition Insurance Solutions, Inc.Texas | Surplus-lines identifier: 2205589[8] | Surplus Lines Agency; Texas record retrieved 22 September 2026 shows Status Active to 07-20-2027 |
| Coalition Insurance Solutions, Inc.Pennsylvania | State license: 815731[9] | Producer; Pennsylvania record retrieved 22 September 2026 shows the Producer licence Status Active to 06-22-2027 with Casualty and Property active; a duplicate Non-Resident Producer Agency row under the same number is Inactive effective 09-10-2026 |
| Coalition Insurance Solutions, Inc.Pennsylvania | Surplus-lines identifier: 817452[9] | Non-Resident Surplus Lines; Pennsylvania record retrieved 22 September 2026 shows Status Active to 07-31-2027 with the Property and Casualty qualification active |
| Coalition Insurance Solutions, Inc.Colorado | State license: 539028[10] | Non-Resident Agency; Colorado record retrieved 22 September 2026 shows Status Active to 07-01-2027 with Surplus Lines, Casualty and Property qualifications active |
| Coalition Insurance CompanyGeorgia | NAIC number: 29530[11] | Property and Casualty company authorisation; Georgia company record retrieved 22 September 2026 shows Active Since 05-11-2020, Active Company Type Property and Casualty, Domicile State New York |
| Coalition Insurance CompanyTexas | NAIC number: 29530[11] | Fire and Casualty company authorisation; Texas company record retrieved 22 September 2026 shows Active Since 10-05-1990, Active Company Type Fire and Casualty, Domicile State New York |
| Coalition Insurance CompanyPennsylvania | NAIC number: 29530[11] | Casualty company authorisation; Pennsylvania company record retrieved 22 September 2026 shows Active Since 10-12-1990, Active Company Type Casualty, Domicile State New York |
Sources
- Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
- U.S. Disclaimers. Coalition; U.S. Disclaimers, re-read 22 September 2026: 'Coalition Insurance Solutions, Inc. ("CIS"), a licensed insurance producer with its principal place of business in San Francisco, CA (Cal. license #0L76155)' and 'Coalition Insurance Company ("CIC") a licensed insurer (NAIC # 29530)'; non-admitted cyber is offered through CIS acting on behalf of a number of unaffiliated insurance companies while admitted cyber is available through CIC; 'Policy obligations are the sole responsibility of the issuing insurance carrier' and, for admitted products, 'Policy obligations are the sole responsibility of CIC'. Accessed 2026-09-22.
- Coalition Insurance Company Now Quoting In All 50 U.S. States And D.C. Coalition; Announcement dated March 28, 2024, re-read 22 September 2026: 'CIC, the U.S. admitted carrier wholly owned by Coalition, Inc.'; an A- (Excellent) AM Best financial-strength rating with stable outlook affirmed 28 March 2024; 'Insurance products offered by CIC are reinsured by a panel of reinsurance carriers' with no reinsurer named and no terms given; New York licence #23-25930; quoting in all 50 US states and Washington, D.C. Accessed 2026-09-22.
- Cyber Insurance Claims Experience. Coalition; Pre-Claims Assistance and Claims Advantage descriptions. Accessed 2026-09-21.
- OCI Licensing Frequently Asked Questions. Wisconsin Office of the Commissioner of Insurance; Agent FAQ, Business Entities/Firms: firm authority depends on its Designated Responsible Licensed Producer and actively held lines; State Based Systems is the lookup path. Accessed 2026-09-21.
- Business Name Search. California Department of Insurance; California regulator lookup route for the named entity or identifier; current authority was not independently established as of 2026-09-21. Accessed 2026-09-21.
- Georgia Firm Consumer Inquiry - Coalition Insurance Solutions, Inc. Sircon/Georgia insurance licensing lookup; Firm Consumer Inquiry for the State of Georgia, retrieved 22 September 2026: COALITION INS SOLUTIONS INC, National Producer Number 18419475, 1 Embarcadero Center Suite 1200, San Francisco; Principal Agency - Nonresident licence 196479, Status Active, original issue 07-14-2017, expiration 07-31-2027, Principal Agency Casualty and Property qualifications Active. Accessed 2026-09-22.
- Texas Firm Consumer Inquiry - Coalition Insurance Solutions, Inc. Sircon/Texas insurance licensing lookup; Firm Consumer Inquiry for the State of Texas, retrieved 22 September 2026: COALITION INSURANCE SOLUTIONS, INC., NPN 18419475; General Lines Agency licence 2199630 Active (Property and Casualty) from 06-27-2017; Surplus Lines Agency licence 2205589 Active from 07-20-2017; Managing General Agency licence 3004944 Active from 05-12-2023 with the MGA - Property and Casualty qualification Active; Adjuster licence 3184847 Active from 06-06-2024 with the Adjuster - Property & Casualty qualification Active. Appointments Active for Property and Casualty: Coalition Insurance Company (NAIC 29530, from 03-07-2023), Swiss Re Corporate Solutions America Insurance Corporation (29874, from 12-21-2017) and Zurich American Insurance Company (16535, from 06-16-2021). Appointments Inactive and terminated 10-21-2024: American Guarantee and Liability Insurance Company (26247), American Zurich Insurance Company (40142) and Zurich American Insurance Company of Illinois (27855). Accessed 2026-09-22.
- Pennsylvania Firm Consumer Inquiry - Coalition Insurance Solutions, Inc. Sircon/Pennsylvania insurance licensing lookup; Firm Consumer Inquiry for the State of Pennsylvania, retrieved 22 September 2026: COALITION INSURANCE SOLUTIONS, INC., NPN 18419475; Producer licence 815731 Active to 06-22-2027 with Casualty and Property qualifications Active; a separate Non-Resident Producer Agency row under the same number Inactive effective 09-10-2026; Non-Resident Surplus Lines licence 817452 Active to 07-31-2027 with the Property and Casualty qualification Active. Appointments Active: Coalition Insurance Company (NAIC 29530, from 03-06-2023), Swiss Re Corporate Solutions America Insurance Corporation (29874, from 12-21-2017) and Zurich American Insurance Company (16535, from 05-13-2021); three Zurich-group appointments Inactive and terminated 10-21-2024. Accessed 2026-09-22.
- Colorado Firm Consumer Inquiry - Coalition Insurance Solutions, Inc. Sircon/Colorado insurance licensing lookup; Firm Consumer Inquiry for the State of Colorado, retrieved 22 September 2026: COALITION INSURANCE SOLUTIONS, INC., NPN 18419475; Non-Resident Agency licence 539028 Active to 07-01-2027 with Surplus Lines, Casualty and Property qualifications Active. Accessed 2026-09-22.
- State Company Consumer Inquiries - Coalition Insurance Company. Sircon/Georgia, Texas and Pennsylvania insurance licensing lookup; Company Consumer Inquiries retrieved 22 September 2026 for Coalition Insurance Company, NAIC ID 29530, 100 Bank Street Suite 630, Burlington, VT, Domicile State New York. Georgia: Active Since 05-11-2020, Active Company Type Property and Casualty. Texas: Active Since 10-05-1990, Active Company Type Fire and Casualty. Pennsylvania: Active Since 10-12-1990, Active Company Type Casualty. Accessed 2026-09-22.
- AM Best Affirms Credit Ratings of Coalition Insurance Company. AM Best; Rating action dated 28 March 2024, read 22 September 2026: AM Best affirms the Financial Strength Rating of A- (Excellent) and the Long-Term Issuer Credit Rating of 'a-' (Excellent) of Coalition Insurance Company, New York, NY, AMB number 020646, with a stable outlook. AM Best assesses the company's balance sheet strength as very strong, supported by 'the strongest level of risk-adjusted capitalization, as measured by Best's Capital Adequacy Ratio (BCAR), surplus growth, conservative loss reserves and low underwriting leverage produced in the first nine months of operation and its five-year pro forma'. The release makes no statement about the company's reinsurance programme. Accessed 2026-09-22.
- Coalition Announces Reinsurance Intermediary Coalition Re. Coalition; Announcement dated 8 September 2024, read 22 September 2026: Coalition Re offers capacity for non-proportional cyber reinsurance treaties and a white-labelled cyber insurance product with up to 100% quota share support for cedants. 'Both are available globally and supported by a robust panel of capacity providers led by Aspen, a leading specialty insurer and reinsurer.' The release does not state which Coalition entity houses Coalition Re, names no panel member other than Aspen, and makes no connection between Coalition Re and Coalition Insurance Company's own operations. Accessed 2026-09-22.
