Cyber insurance reimagined: Introducing the most innovative and comprehensive coverage available.
We found existing cyber insurance policies lacking, so we created our own. Full limits, enhanced business interruption cover, protection from physical cyber attacks, computer replacement coverage (an industry first—only available through Coalition), and more.
3rd Party Liability Coverages
Network & Information Security Liability
Regulatory Defense & Penalties
Multimedia Content Liability
PCI Fines & Assessments
We cover the expenses to defend you and any damages resulting from your liability to a 3rd party, or for regulatory fines & penalties, multimedia wrongful acts (such as infringement, defamation, piracy, etc.), and PCI fines & assessments resulting from a failure in your security, data breach, or privacy violation.
Bodily Injury & Property Damage - 3rd party
We pay for the costs of defense and damages from your liability to a 3rd party when a failure in your security results in physical damage or injury.
Technology Errors & Omissions
We pay for the costs of defense and damages from your liability to a 3rd party when the failure of your technology service or product is the cause of loss.
1st Party Liability Coverages
Bodily Injury & Property Damage - 1st party
Pollution
In the event of a security failure (i.e., physical cyber attack), we’ll even cover losses resulting from bodily injury or damage/impairment to your tangible property, as well as damages resulting from any liability you may have to a 3rd party, including regulatory fines & penalties and pollution liability.
Computer Replacement
We cover the costs to replace your computer systems that are permanently impacted by malware.
Fund Transfer Fraud
We pay for funds transfer losses you incur from a failure in your security or social engineering.
Service Fraud
We pay for the additional amounts you're billed by a cloud or telephony provider when you incur fraudulent charges.
Digital Asset Restoration
We pay for the costs to replace, restore, or recreate your digital assets that are damaged or lost following a failure of your security.
Business Interuption & Extra Expenses
We cover financial losses resulting from a failure in your security, data breach, and even systems failure, as well as the extra expenses you incur to bring your company back online.
Cyber Extortion
We cover the costs to respond to an extortion incident, including money, securities, and even virtual currencies paid.
Breach Response
Crisis Management & Public Relations
Reputation Repair
We pay for the costs to respond to a breach including 3rd party incident response and public relations experts, customer notification costs and credit monitoring, media purchases, and legal fees; and advise in connection with the incident, among others.
Included with all policies:
Worldwide Coverage
Protect your data and assets no matter where they happen to be.
Cyber Terrorism
Each of our coverages includes protection from acts of cyber terrorism.
Internet of Things
Coverage for all of your IoT devices is included by default.
Social Media
Coverage for all of your social media accounts is included by default.
Not all insurance policies are equal
Coverage
Coalition
Others
Business Interruption & Extra Expenses
Contingent Business Interruption
Funds Transfer Fraud
Cyber Extortion
Computer Replacement
Bodily Injury & Property Damage
Pollution
Service Fraud
Network & Information Security Liability
Regulatory Defense & Penalties
Multimedia Content Liability
PCI Fines & Assessments
Digital Asset Restoration
Breach Response
Crisis Management & Public Relations
Enhancements
Coalition
Others
GDPR and CCPA coverage
MFA retention reduction
Pre-claims assistance
Covers all prior acts
Systems failure
Waiting period
Business services costs
Cost of system upgrades
Reputation repair
BYOD coverage
Social media / IOT coverage
Cybersecurity Apps
Coverage for free apps / technologies
Summary only. Please read our Policy for all coverages, terms, exclusions, and conditions.
Coverages FAQ
For more information, or how to insure with Coalition, contact us.
See all of our FAQs
Cyber insurance (a.k.a. Cyber Liability, Internet Liability, Electronic Media Liability, and Network Security & Information Liability insurance, among other countless monikers) helps companies weather the storm from many technology-based risks that might befall them, including risks associated with a company's information technology infrastructure and activities such as a systems failure event, cyber attack, or data breach.
Almost no time whatsoever! In most cases your broker can generate a quote in less than a minute (although we've never seen it take more than four!). Once you are ready to proceed, your broker can go online and bind coverage (i.e., start coverage) immediately.
In addition to the company and any majority-owned subsidiaries, our policy covers senior executives and employees as long as their actions are in the normal scope of a company's business operations.
Coalition’s products are offered with the financial security of Swiss Re Corporate Solutions* (A.M. Best A+ rating), Lloyd’s of London** (A.M. Best A+ rating), and Argo Pro US*** (A.M. Best A- rating).
© 2020 Coalition, Inc. | Licensed in all 50 states and D.C. | CA License # 0L76155
*Insurance products may be underwritten by North American Capacity Insurance Company, North American Specialty Insurance Company, or an affiliated company, which are members of Swiss Re Corporate Solutions. **Insurance products may be underwritten by Certain Underwriters at Lloyd's of London. ***Insurance products may be underwritten by Peleus Insurance Company, Colony Specialty Insurance Company, or an affiliated company, which are members of Argo Group US, Inc.