Coalition is the leading technology-forward cyber insurance carrier. Unlike traditional cyber products, Coalition combines insurance with active risk management (continuous monitoring of your domain, DNS, and systems for vulnerabilities). When they detect a threat pre-breach, they notify and help remediate. Post-breach, their claims team includes forensic investigators, ransomware negotiators, and breach coach attorneys. For Georgia businesses serious about cyber exposure, Coalition is often our first recommendation.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Active continuous monitoring of your digital footprint identifies threats before they become breaches

Strength 2

Purpose-built claims team with forensic investigators, ransomware negotiators, and breach coach attorneys

Strength 3

Covers ransomware payments (where legal), business interruption from cyber, fraudulent funds transfer, and regulatory fines

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Standalone cyber is typically more expensive than cyber-as-endorsement on a BOP

Weakness 2

Cyber-only; does not bundle with BOP, workers comp, or other commercial lines

Weakness 3

Coverage terms on cyber policies are complex and vary significantly between insurers; comparison shopping requires careful reading of exclusions, not just price

Best Fit For

Small to mid-size businesses that need cyber liability coverage with active security monitoring built into the policy. Coalition specializes in technology-enabled cyber risk management, not just cyber indemnity.

Not A Good Fit For

Businesses without meaningful digital operations or data handling, or companies that want indemnity-only coverage without active security management involvement.

APPETITE & COVERAGE

What They Write

Coverage Types

Cyber liability (first-party and third-party), ransomware, business interruption from cyber, fraudulent funds transfer, regulatory fines

Best Pricing For

Small to mid-market cyber liability for businesses that value active threat monitoring alongside indemnity coverage. Particularly competitive for technology, professional services, and healthcare.

Industry Classes

Technology, professional services, healthcare, financial services, retail, manufacturing, education, nonprofits

Admitted Status

Admitted in Georgia for cyber liability

CLAIMS & PRICING

What to Expect

Claims Experience

Purpose-built for cyber claims. Includes 24/7 incident response hotline, forensic investigation, ransomware negotiation, breach notification services, legal counsel, and regulatory fine coverage. Genuinely differentiated from cyber as-an-endorsement on BOP policies.

Pricing Context

Coalition is competitive for cyber liability on smaller commercial accounts, particularly when the active monitoring service is valued alongside the indemnity coverage.

vs Competitors

Primary Georgia competitors are Travelers cyber, Hartford cyber, CNA cyber, and Cowbell. Coalition typically wins on active monitoring, claims expertise, and technology-forward experience. Travelers/Hartford win on bundled pricing when cyber is an add-on to BOP rather than standalone.

STATE AVAILABILITY

Where They Write

States Available

GA and all 50 states

Personal Lines States

Commercial Lines States

GA and all 50 states

Do We Work With Them?

Yes

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Coalition Cyber Insurance

How This Carrier Rates

AM Best

JD Power Personal

JD Power Commercial

NAIC Complaint Index