Coalition, the world’s first Active Insurance provider, has launched its new Coalition Active Cyber Policy, a redesigned surplus lines cyber insurance offering for the U.S. market.
The San Francisco-based company, known for integrating proactive cybersecurity measures with traditional insurance coverage, aims to redefine how businesses manage digital threats, according to InsurTech Insights.
The new product has been introduced in response to the evolving digital threat landscape.
With cyber attacks becoming increasingly sophisticated and frequent, Coalition believes that businesses need more than just passive coverage—they need active support in reducing risk before incidents occur.
The newly launched Active Cyber Policy offers several data-driven coverage enhancements tailored to the demands of modern cyber risk.
It introduces features such as Vanishing Retention, which rewards policyholders with reduced retentions for claim-free years, and Reduced Retention for Early Funds Transfer Fraud (FTF) Reporting, which offers financial incentives for swift reporting of fraudulent activity.
Moreover, it also includes Affirmative AI Coverage, safeguarding against AI-related threats like deepfake-enabled fraud, and Any One Claim Coverage, which resets policy limits for each separate incident within the term.
A standout feature of the policy is its streamlined structure.
Eleven coverages that were previously only available through endorsements are now embedded directly within the base policy as Insuring Agreements.
Additionally, the policy language has been updated for clarity, incorporating modern terminology and clearly defining coverage triggers.
From 15 April 2025, all non-admitted new business and renewal quotes in the U.S. will be issued under the new Active Cyber Policy. The policy is available to organisations with up to $5bn in annual revenue and offers up to $15m in coverage limits.
Coalition chief revenue officer Shawn Ram said, “With the launch of the Active Cyber Policy, Coalition is setting the standard for market-leading coverage that includes expanded protection against emerging digital threats and specific advantages for security-conscious policyholders. Active Insurance is built on the belief that proactive security measures significantly reduce the frequency and severity of claims — and our data proves it. Now, brokers can offer improved policy terms that reward clients who actively engage in cyber risk management.”
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