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Coalition Unveils New Cyber Insurance Policy with Expanded Coverage

Posted on April 11, 2025April 11, 2025 By Martin Hinton
Launch of the Active Cyber Policy

Coalition has introduced a redesigned cyber insurance policy. The Active Cyber Policy protects against modern digital threats like Funds Transfer Fraud, AI Deepfakes, and AI-caused system errors. This version updates its surplus lines coverage in the U.S. with clearer language and broader cyber insurance protections in an evolving digital risk landscape.

Coalition logo featuring a stylized "C" composed of interlocking geometric shapes next to the company name in bold text. Used in article about Coalition Active Cyber Policy.
Enhanced Features and Expanded Protections

The policy includes several new features:

  • Vanishing Retention: Retention drops to zero with each claim-free year for policyholders practicing strong cybersecurity protocols.
  • Early Fraud Reporting Incentive: Reduced retention for Funds Transfer Fraud (FTF) when reported within 72 hours of the first incident.
  • AI-Specific Coverage: Now covers AI-driven risks such as deepfakes and AI-caused system errors.
  • Any One Claim Coverage: Policy limit resets with each separate incident during the coverage term.
Simplified Structure and Integrated Agreements

Coalition has incorporated 11 previous endorsements directly into the base policy. This aims to simplify understanding and improve transparency for brokers and clients. The updated terminology also reflects today’s cyber risk landscape more clearly.

Executive Perspective on Active Insurance

Shawn Ram, Coalition’s Chief Revenue Officer, emphasized the proactive nature of the product, saying, “Active Insurance is built on the predication that proactive security measures significantly reduce the frequency and severity of claims,” he said.

Policy Availability and Access

Starting April 15, 2025, the Coalition Active Cyber policy is available to U.S. businesses with up to $5 billion in annual revenue. Policy limits go up to $15 million.

Other News: Coalition Launches Active Cyber Insurance in Australia to Fortify Digital Defenses(Opens in a new browser tab).

Martin Hinton

Martin Hinton is the Executive Editor and Publisher of Cyber Insurance News and Information. With over three decades of journalism experience across six continents, his work encompasses investigative reporting, documentaries, and coverage of cultural, political, and business news. To learn more about his career, click on his name to visit his LinkedIn page.

Cyber Insurance, Cyber Insurance Carriers & Brokers Tags:Active Cyber Policy, AI security, Coalition, cyber coverage, cyber insurance, cyber policy update, Digital Risk, surplus lines insurance

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