4 Key Takeaways from Activate 2026

There’s no “status quo” in cyber risk. New adversaries, technological developments, and emerging threats demand constant evolution. 

This week, professionals in insurance, security, artificial intelligence, and public policy filled the crowd at Activate 2026, our annual broker conference in New York City. No matter their area of expertise, a commonality can be found among them all: A desire to never stop innovating. 

We feel it, too. After a day of connecting and learning from colleagues on the frontlines of cyber risk, we’re ready to tackle the future of cyber insurance. In the meantime, if you missed the event (or want to revisit the day), we’ll cover the 4 key takeaways from Activate 2026 below.

1. Data-driven risk insights win over generalized advice

Cyber risk is unlike any other. While relying on the “rearview mirror” of historical data works for most other lines of insurance, digital threats evolve by the day. To accurately assess and underwrite cyber risk, we need a clear view of the road ahead of us. 

Coalition collects 829 trillion data points annually — a combination of policyholder scans, firehose scans, honeypots, and underwriting scans. This real-time view gives us unique visibility into emerging risks, like the surge of privacy litigation last year. To rapidly address privacy risk, we updated our underwriting frameworks and developed new scanning technology to help policyholders. But data didn’t only allow us to quickly spot the exposure, it enabled us to provide you and your clients with help to fight back.

Our Expanded Privacy Risk Insights prioritizes high‑risk web privacy problems and offers policyholders step-by-step recommendations to reduce risk. We can scan for both missing privacy controls (like consent mechanisms) and privacy exposures (like certain tracking technologies) that can put your clients at risk of litigation.

With visibility on exactly which technologies and statutes drive the majority of legal action, we’re replacing broad advice with concrete steps to help your clients to minimize their exposure.

Our Expanded Privacy Risk Insights prioritizes high‑risk web privacy problems and offers policyholders step-by-step recommendations to reduce risk.

2. Brokers must be ready for the mass adoption of cyber insurance

Despite threats evolving at breakneck speed, the gap between perceived risk and actual exposure persists. The majority of small and midsized businesses still lack standalone cyber coverage. This means we still have a long way to go in our mission of protecting the unprotected.

Cyber brokers have the expertise and relationships necessary to move the needle on adoption. But when you’re bogged down by administrative tasks and manual workflows, there’s less time to focus on advising clients and educating frontline brokers on cyber risk — vastly limiting your ability to provide customized solutions for your clients and grow your book of business. 

We’ve expanded our broker platform with new, intelligent capabilities to further your teams’ capabilities and given it a name to match: Broker IQ. Here’s how it can help:

• Supercharged advising: Pitch Genius is a consultative selling tool (built directly into Broker IQ) that generates client-ready presentations, tailored talk tracks, and real claim examples to empower both wholesale and retail brokers to lead sophisticated conversations on cyber risk. 

• Data-driven claims mitigation: Help ensure that cyber risk doesn’t get lost in translation with plain-language explanations on critical exposures, direct access to expert support in Coalition Control®, and the ability to offer additional cybersecurity options directly to quotes. 

• Intuitive account management: Remove the manual heavy-lifting of renewal season with 90-day advance binding, automated year-over-year comparisons, and a unified team view to ensure nothing falls through the cracks. 

• Intelligent submissions: Don’t let application friction stop clients from adopting cyber insurance, with simpler applications for businesses under $25M in revenue, benchmarking, and faster quoting.

Log in to Broker IQ today and supercharge your entire team to spot more cyber opportunities, win more deals, and better protect every client.

3. Insurance and security must work together to outpace threats

We’ve always believed that to truly combat cyber risk, insurance and security must work hand-in-hand. And brokers are at the center of it all. You bridge the gap by demystifying new risks and educating clients on how the right security controls can lead to fewer claims and better pricing. We’re responding with solutions designed to protect your clients from emerging risks:

Safeguard the inbox

Business email compromise (BEC) was the leading driver of cyber insurance claims in 2025, which is why we're creating Login Security.

Login Security provides 24/7 monitoring and defense to help protect your clients’ inboxes:

• Built for email: Login Security is specifically designed to stop BEC by monitoring for suspicious logins from unusual locations, impossible travel, and looking for malicious mailbox rules.

• Immediate action: Automatically kicks out bad actors to help prevent further malicious behavior and reduce workload for security teams.

• Easy installation: No EDR or MDR software required.

• No cost for policyholders: Login Security will be available in Coalition Control for all policyholders later this year, at no additional cost.

You bridge the gap by demystifying new risks and educating clients on how the right security controls can lead to fewer claims and better pricing.

Combat machine speed attacks

We’re in a new era of AI-accelerated attacks. Exploits that once took months now appear in minutes. Breakouts that used to take hours now happens in seconds. Lateral movement, credential theft, and ransomware are unfolding at machine speed. 

Wirespeed Automated Detection & Response (ADR) is the engine that fuels Login Security.

• Protection for the entire attack surface: The full offering is designed to provide 24/7 monitoring & defense against a wide array of threats. 

• Automated security: Wirespeed ADR acts at machine speed and transparently, verifying and containing threats in milliseconds. Human expertise is reserved for what truly matters.

• Benefits for all: By introducing Wirespeed, you unlock incentives and policyholders are eligible for up to 12.5% premium credit.*

4. Coverage needs to adapt to meet the demands of evolving threats

Between major cloud outages and halted production lines, business interruption has emerged as the “new normal” of modern business. These widespread operational disruptions and supply chain bottlenecks are often attached to significant financial losses. And even the most proactive, security-first businesses are at risk of costly downtime.

Business interruption has historically been one of the most painful parts of a cyber claim. Back-and-forth conversations can go on for months as carriers and policyholders debate over assumptions and spreadsheets. Given the reality of an increasingly interconnected world, we’ve introduced Enhanced Business Recovery.

Enhanced Business Recovery is a new suite of endorsements that expand on what is traditionally included with contingent business interruption coverage, including:

• Key Customer Coverage: If a key customer is hit by a cyber incident and has to pause or cut back orders, this coverage helps the policyholder replace lost profits.

• Rapid Review Endorsement: Policyholders can elect a pre-approved forensic accountant to streamline the accounting process and get “money in the bank” faster. 

• Cashflow Lifeline: Small and midsize businesses (SMBs) can receive an early cash advance to help stabilize operations while the claim runs its course.

• Reduced Waiting Period for MDR: If a policyholder uses a qualifying managed detection and response (MDR) provider, the direct business interruption (DBI) waiting period can be reduced to reward the policyholder’s investment in improving their security posture.

The innovation doesn’t end here

We’ll continue to address new and emerging risks — with the help of all our learnings from Activate 2026. In the meantime, you can relive the day and watch our recap video now.

*Premium credit eligibility is determined during the quote or renewal process and is based on underwriting factors, including risk profile. Exclusions and limitations apply; see Terms of Service. Customers with MDR products other than a Coalition Security product may be eligible for a premium credit. Contact MDRsales@coalitioninc.com for more information.

This blog post is designed to provide general information on the topic presented and is not intended to construe or render legal or other professional services of any kind. If legal or other professional advice is required, the services of a professional should be sought. The information above includes a generalized description of coverage only. Coverage is subject to and governed by the language of the policy as issued. Please read the policy as issued for the full terms and conditions, including limitations and exclusions. Neither Coalition nor any of its employees make any warranty of any kind, express or implied, or assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, product or process disclosed. 

Insurance products are offered in the U.S. by Coalition Insurance Solutions Inc., a licensed insurance producer and surplus lines broker (Cal. license # 0L76155), acting on behalf of a number of unaffiliated insurance companies, and on an admitted basis through Coalition Insurance Company, a licensed insurance underwriter (NAIC # 29530). See licenses and disclaimers.

Coalition Incident Response, Inc., dba Coalition Security, an affiliate of Coalition Inc., provides security products and services globally. Coalition Security does not provide insurance products and products and services may not be available in all countries and jurisdictions. Non-insurance products and services may be provided by independent third parties, and may require separate payment.

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