Coalition

Coalition is an AI-powered cyber insurance provider that combines coverage with continuous security monitoring and a suite of free security tools for policyholders. Unlike traditional insurers that assess risk once at underwriting and move on, Coalition positions itself as an active risk partner throughout the policy period. It is aimed primarily at small and mid-sized businesses that need cyber coverage but also want ongoing visibility into their security posture without paying separately for a monitoring service.

How Coalition works

When a business applies for coverage, Coalition runs a Cyber Risk Assessment to evaluate the organization’s external attack surface. This assessment scans for vulnerabilities, exposed services, and known risk indicators before a policy is issued. Once coverage begins, the continuous monitoring system keeps watching for new threats, configuration changes, and emerging vulnerabilities tied to the insured’s assets. Alerts are surfaced through a policyholder dashboard so security or IT teams can act on findings in near real time.

Coalition also bundles free security tools into the policy, which reduces the upfront cost of building a basic security stack. If an incident occurs, policyholders have access to an incident response team and claims support to help contain damage, coordinate forensics, and navigate the claims process. Pricing starts from $250 per year, which positions it as accessible for smaller organizations that historically struggled to afford both insurance and security tooling.

Strengths

• Integrated monitoring and coverage: The combination of insurance and active scanning in a single product reduces the gap between knowing about a risk and having financial protection against it.
• Free security tools for policyholders: Bundled tools lower the barrier for small businesses that cannot afford dedicated security software on top of a premium.
• Proactive risk assessment at underwriting: The pre-binding scan gives businesses a clearer picture of their vulnerabilities before a policy even starts, which can help prioritize remediation.
• Incident response included: Having response support baked in means businesses do not need to scramble to find IR vendors when something goes wrong.
• Entry-level pricing: Starting at $250 per year makes cyber coverage accessible to organizations that previously went uninsured due to cost.

Limitations

• Scope of monitoring is external only: Coalition’s continuous monitoring focuses on the external attack surface. Internal threats, insider risk, and endpoint behavior are outside the scope of what the platform detects.
• Policy terms vary by risk profile: The $250 entry price applies to lower-risk profiles. Businesses with complex infrastructure, prior claims, or elevated risk scores will see higher premiums, and coverage limits may be more restricted.
• Not a substitute for a full security program: The bundled tools and monitoring are a useful supplement, but they do not replace a mature security operations function. Organizations with compliance obligations (SOC 2, HIPAA, PCI-DSS) will still need additional controls and vendors.
• US market focus: Coverage availability is primarily domestic. Businesses with significant international operations should verify geographic coverage terms carefully before purchasing.

Who it is for

Coalition is a strong fit for small and mid-sized businesses that want cyber insurance and basic security visibility in one place, particularly those without a dedicated IT security team. Retail, professional services, healthcare practices, and technology companies that handle customer data but lack the budget for enterprise security tooling will find the bundled approach practical. It is also worth considering for businesses that have been turned down or quoted prohibitively high rates by traditional insurers, since Coalition’s risk-based model can surface a clearer underwriting picture. Organizations that already have mature security programs and only need coverage may find the bundled tools redundant, but the monitoring layer can still provide independent validation of their external posture.

How it compares

Coalition is specifically a cyber insurance product, which makes direct comparisons to general insurance platforms useful for context. Policygenius is a broad insurance marketplace that helps consumers and small businesses compare policies across multiple carriers, including cyber coverage options. If your priority is comparing quotes from several insurers rather than committing to a single provider’s risk platform, Policygenius offers a wider shopping surface. Coalition, by contrast, is the insurer itself and differentiates on the active monitoring layer that a marketplace cannot replicate.

For businesses evaluating niche AI insurance tools more broadly, Lemonade demonstrates how AI-native insurers can streamline underwriting and claims in specific verticals. Coalition applies a similar AI-first philosophy to the cyber insurance space, with the added dimension of real-time security data informing both risk pricing and ongoing policyholder support. The key question when choosing between Coalition and alternatives is whether you want insurance alone or insurance paired with continuous external monitoring built by the same provider.