Beyond Capacity: How Coalition Re is Building the Future of Cyber Stability

The biggest challenge in today’s cyber reinsurance market is clarity, not capacity.

With interconnectivity increasing and digital dependencies growing, the need to understand precisely where and how risk accumulates has never been more urgent. While traditional models of risk transfer have been useful to advance us to this day, our dynamic digital world has evolved beyond our existing risk frameworks’ capabilities to sufficiently manage exposure. 

The need for a clearer lens is not only why we launched Coalition Re, but also what inspired me to join the team. Here at Coalition Re, we’re harnessing the full power of Coalition’s cyber intelligence to give reinsurance cedants an unprecedented view across the entire digital ecosystem.

The shift from passive to Active Reinsurance

At Coalition Re, we’ve introduced a new standard to the market: Active Reinsurance.

This approach moves beyond the passive model of simply transferring risk after a loss occurs. Instead, Active Reinsurance helps cedants engineer their portfolio’s risk profile to drive superior performance by combining real-time cyber risk aggregation monitoring, live event loss prevention, and cyber capacity.

Cedants now have the ability to confidently diversify risk, focus on preventing losses before they materialize and recover with greater certainty in the event of a loss. Active Reinsurance isn't just a new offering, but a necessary, fundamental evolution of risk transfer for the cyber class.

The engine behind this transparency is Helios, our proprietary portfolio aggregation monitoring platform.

Built upon a proprietary catastrophe model and deep mapping of digital dependencies, Helios offers cedants unparalleled visibility into their insureds’ critical technology and third-party supply chain vendor accumulations. Cedants can use the Helios platform to transform emerging risk concentrations into clear, strategic insights that allow portfolio managers to focus on growing their business with greater clarity and peace of mind. 

Cedants now have the ability to confidently diversify risk, focus on preventing losses before they materialize and recover with greater certainty in the event of a loss.

Live Event Response: Proactive protection in real time

The ultimate expression of our Active Reinsurance philosophy is the quick action we take when a major threat emerges: Live Event Response.

We utilize continuous, global internet-wide scanning to detect which policyholders may be exposed to an unfolding event. When a threat arises, like a critical zero-day vulnerability in common software, our system triggers immediate, early-warning alerts. Alerts are reserved for select, highly aggregating vulnerabilities as identified by Coalition Re. 

These alerts highlight which insureds may require attention to prevent compromise and actual loss materialization. By getting ahead of the threat and providing the timely, actionable intelligence needed to stabilize portfolios and protect insureds, we help cedants prevent losses before they become claims. Control of the client relationship always remains with our carriers.

The ability to provide early warnings during unfolding events is truly game-changing, and I’m incredibly proud to work for a company that offers this critical loss-prevention capability to its clients.

Built for reinsurance. Structured for trust.

Bringing powerful underlying market intelligence to the reinsurance market can raise concerns about data sharing. We’ve engineered a solution that ensures both technical superiority and absolute integrity.

Coalition Re uses the same world-class scanning technology as our sister affiliate, Coalition Insurance Solutions, but operates as a completely separate reinsurance entity purpose-built for serving our cedants. This separation is fundamental to our business model and reflects a deep respect for the trust reinsurers place in us.

With clear data segregation requirements and strong privileged access management controls, cedant data — including policyholder data, loss history, and proprietary insights — is retained within the dedicated secure environment of Coalition Re.

Active Reinsurance isn't just a new offering, but a necessary, fundamental evolution of risk transfer for the cyber class.

Moving forward together

The cyber market needs intermediaries that don't just add capacity but provide visibility into the entire digital ecosystem. Utilizing our specialized expertise and insights, we aim to promote more effective capacity deployment for our cedants and foster a more stable reinsurance market more broadly.

Our commitment is to a relationship built on trust, transparency, and strategic foresight. We welcome the opportunity to discuss how Coalition Re can support your cyber reinsurance needs.

Reinsurance products are written or provided by Coalition Reinsurance Services, LLC, a licensed reinsurer intermediary (Lic. #1011787) and resident producer (Lic. #1003226), domiciled in Provo, Utah (USA), acting on behalf of a number of unaffiliated licensed insurance companies. See carriers and disclaimers.

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. The reader is cautioned to consult independent professional advisers and formulate independent conclusions and opinions regarding the subject matter discussed herein. Coalition expressly disclaims any responsibility or liability based on any legal theory or in any form or amount, based upon, arising from or in connection with, the reader’s application of any of the contents herein to any analysis or other matter, nor do the contents herein guarantee and should not be construed to guarantee any particular results or outcome. Any action you take upon the information contained herein is strictly at your own risk. Coalition and its affiliates will not be liable for any losses and damages in connection with our use or reliance upon the information. 

Copyright © 2025. All rights reserved. Coalition and the Coalition logo are trademarks of Coalition, Inc.