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Coverages
Don’t just protect your network, protect your business.
We protect the value of your entire business from the cyber threats of today and tomorrow with up to CAD 20 million of insurance coverage.
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 Security and Privacy
Network and Information Security Liability
We pay for the costs of defence and damages from your liability to a 3rd party resulting from a failure in your security, a data breach, or a privacy violation.
Regulatory Defense & Penalties
We pay for the costs of defence and damages from your liability to a 3rd party for regulatory fines and penalties resulting from a failure in your security or data breach (subject to applicable law).
PCI Fines & Assessments
We pay for the costs of defence and damages from your liability to a 3rd party for regulatory fines and penalties resulting from a failure in your security or data breach (subject to applicable law).
Funds Transfer Liability
We pay for the costs of defence and damages from your liability to a 3rd party for fraudulent transfers of funds due to another party resulting from a failure in your security.
Technology and Media Professional Liability
Technology Errors & Omissions
We pay for the costs of defence and damages from your liability to a 3rd party when the failure of your technology service or product is the cause of loss.
Multimedia Content Liability
We pay for the costs of defence and damages from your liability to a 3rd party for multimedia wrongful acts (such as infringement, defamation, piracy, among others).
Event Response
Breach Response Services
Coalition’s team of security experts is available 24/7/365 to help you quickly and efficiently respond to an incident. Better yet - you don't need to pay a retention and use of Coalition’s breach response services doesn’t erode your policy limit.
Breach Response Costs
We pay for the costs to respond to a breach and help you recover, including incident response, customer notification, credit monitoring, and legal costs.
Crisis Management & Public Relations
We pay for the costs to respond to an incident including public relations experts, media purchases, and voluntary stakeholder notification costs.
Ransomware and Cyber Extortion
We cover the costs to respond to an extortion incident, as well as money, securities, and even virtual currencies paid.
Direct and Contingent Business Interruption, and Extra Expenses from Security Failure and Systems Failure
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.
Proof of Loss Preparation Expenses
We will pay for an accounting firm to help you document your lost income and additional expenses from a disruption in your computer network from a security failure or systems failure.
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, such as a ransomware attack.
Computer Replacement and Bricking
We cover the costs to replace computer systems whose integrity has been permanently altered by malware.
Reputational Harm Loss
We cover financial losses resulting from an adverse publication concerning a security failure, data breach, or cyber extortion you've suffered that affects your customers or clients.
Court Attendance
We cover your reasonable costs and expenses when we request you to attend a trial, hearing, deposition, mediation, arbitration, or other proceeding relating to the defence of any claim.
Criminal Reward
We will pay a reward for information that leads to the arrest and conviction of anyone who commits, or tries to commit, an illegal act related to your coverage under our policy.
Cyber Crime
Funds Transfer Fraud, Personal Funds Fraud, and Social Engineering
We pay for funds transfer losses you incur from a failure in your security or social engineering.
Service Fraud Including Cryptojacking
We pay for the additional amounts you're billed by a cloud or telephony provider when you incur fraudulent charges.
Phishing
We pay the costs your customers incur when they're victims of a phishing attack impersonating you as well as costs related to preventing and mitigating such incidents.
Invoice Manipulation
We pay for invoices you're unable to collect as a result of your customer being tricked into sending payment to fraudsters.
Coverage by Endorsement
Bodily Injury & Property Damage - 1st Party
We pay for funds transfer losses you incur from a failure in your security or social engineering.
Bodily Injury & Property Damage - 3rd Party
We pay for the additional amounts you're billed by a cloud or telephony provider when you incur fraudulent charges.
Pollution
We pay for the costs of defence and damages from your liability to a 3rd party when a failure of your security results in release of pollutants.
Reputation Repair
We enhance Crisis Management and Public Relations coverage by paying for advertising and media purchases and consulting costs to help you preserve customer confidence and protect your brand.
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, Personal Funds Fraud, and Social Engineering
Ransomware and Cyber Extortion
Computer Replacement and Bricking
Bodily Injury & Property Damage
Pollution
Service Fraud Including Cryptojacking
Network & Information Security Liability
Regulatory Defense & Penalties
Multimedia Content Liability
PCI Fines & Assessments
Digital Asset Restoration
Breach Response Costs
Crisis Management & Public Relations
Enhancements
Coalition
Others
PIPEDA, 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 insurance products are offered with the financial security of Swiss Re Corporate Solutions* (A+ ratings by A.M. Best).
WHAT WE DO
© 2020 Coalition, Inc.
*Insurance products are underwritten by Westport Insurance Corporation, a member of Swiss Re Corporate Solutions