Coalition, a cyber insurance MGA, has launched Active Cyber Insurance for Enterprises, a cyber insurance product for large U.S. businesses with limits of up to $25 mn, following expanded strategic relationship with Allianz Commercial.
The product targets enterprises facing more advanced cyber attacks, wider third-party exposure and tighter regulation across global markets.
Coalition positions it for large cyber insurance programmes where buyers need financial capacity, technical underwriting and incident experience in one structure. The new offer combines cyber coverage, real-time threat data and loss prevention tools for larger corporate buyers.
In February, Coalition has entered the French market with the launch of its Active Cyber Insurance product.
The cyber coverage will be available through its subsidiary, Coalition Insurance Solutions GmbH, for companies with revenues up to €1bn.
Capacity is provided under a multi-year agreement with Allianz Commercial via Allianz Global Corporate & Specialty SE (AGCS).
Shawn Ram, Coalition’s chief revenue officer, said artificial intelligence is making cyber attacks more sophisticated, while third-party dependencies expand attack surfaces and regulators increase pressure on companies worldwide.
Ram said Coalition brings together Allianz’s global network and Coalition’s claims and risk intelligence engine to give enterprise stakeholders a sharper view of their cyber exposure.
Active Cyber Insurance for Enterprises uses Coalition’s active insurance model, which links underwriting, monitoring, risk analysis and claims experience.
The company said the product gives large businesses coverage and live cyber risk information before an incident occurs.
Coalition uses global honeypots and AI to monitor internet activity in real time. Its researchers track threat actor behaviour as it changes, then use that telemetry to refine risk models. For enterprises, that data helps validate security spending and support decisions on where capital goes.
The underwriting process also moves beyond static cyber snapshots and third-party risk scores. Coalition underwriters build an insurability profile for each organisation, based on its security posture, risk controls and exposure.
The enterprise product has Allianz A+ rated capacity behind it. Coalition said this gives risk managers, brokers and follow markets more financial certainty when placing large cyber programmes.
Coalition reports 110,000 policyholders worldwide and more than 4,000 claims reported globally each year. The company uses that claims volume, threat research and security data to support its cyber risk models.
Coalition said its active insurance model also includes applied loss prevention. Instead of waiting for a claim, the company provides continuous monitoring across a company’s digital footprint and shares targeted threat intelligence to help reduce losses before incidents turn into claims.
The coverage framework gives enterprises flexibility to add, remove or manuscript policy terms around their own cyber risks, security investments and risk transfer strategy. Coalition also referenced Coalition Control, its cyber risk management engine, though the company said it is not yet available for Active Cyber Insurance for Enterprise policies.
The enterprise risk solutions package aims to connect cybersecurity work with corporate risk management. Coalition said it sees across security, insurance coverage and incident response at the same time, then turns that view into guidance for executives and risk teams.
The offer includes executive cyber coaching for board members and senior leaders. These sessions draw on Coalition’s claims data, threat research and company-specific risk insights to help leadership teams understand cyber exposure before a crisis.
Coalition also offers quarterly threat intelligence briefings for risk managers. These briefings use real-time scanning data, claims experience and sector-specific threat information to help companies prioritise remediation work.
For manufacturing, financial services and technology companies with major contingent business interruption exposure, Coalition provides third-party and vendor risk triage. The review assesses the top five risk dependencies and gives companies a prioritised remediation plan linked to their insurability profile.
Coalition also includes privacy and wrongful collection risk advisory services for businesses exposed to litigation from pixel tracking, session replay and third-party data sharing.
The advisory work includes privacy scanning, coverage benchmarking, a prioritised action plan and access to privacy counsel.
The launch pushes Coalition deeper into the large-enterprise cyber market at a time when buyers want higher limits, stronger balance-sheet support and more evidence behind cyber pricing. For insurers and brokers, the product also signals how cyber underwriting is shifting toward live telemetry, claims data and security operations, rather than annual questionnaires and broad risk scores.
