Cyber insurance providers have long championed the importance of cybersecurity and adoption of security controls. Why? Because an insurance policy alone is not a silver bullet. Without robust cybersecurity measures in place, insurance is an essential but incomplete and reactive solution rather than a proactive defense.

Despite this advocacy, our industry as a whole has struggled to influence widespread adoption of the most vital security controls. Businesses have had access to endpoint detection tools, multi-factor authentication, and security awareness training for years, yet these solutions have often remained disconnected from the insurance process itself — until now.

Coalition has made it easier for brokers to advise clients on cyber risk and seamlessly help them adopt cybersecurity technologies by including complementary security products along with cyber insurance quotes.

Brokers can now supercharge their cyber advisory capabilities with security solutions that help clients maximize coverage and minimize risk.

Cyber insurance without security is incomplete

Historically, many security solutions have been provided by third-party vendors motivated by customer satisfaction and renewing the next contract, but do not have a shared interest in the client's success. If a security provider lags in response time, has unknown vulnerabilities in its product, or fails to prevent a cyber incident it is the bottom line of the client that suffers.

Yet, the motivations are completely different for a cyber insurance provider: If a Coalition policyholder purchases a security solution from Coalition and they experience a covered cyber incident, the cyber insurance policy would pay for covered losses. We have a vested interest in helping clients minimize losses by implementing controls that help reduce the frequency of claims. 

We have a vested interest in helping clients minimize losses by implementing controls that help reduce the frequency of claims. 

When cybersecurity tools are presented separately from coverage without a direct connection to mitigating claims, businesses may not appreciate their true value. This misalignment burdens cyber insurance brokers, who are often caught in the middle between insurance providers that recommend specific security measures and clients that may lack the necessary tools or expertise. Without clear guidance on what cybersecurity measures are needed, support deploying the tools, or transparency in potential coverage impacts, businesses have struggled to take security product recommendations seriously. 

At the same time, brokers have been forced to navigate complex risk assessments with little standardization, leading to inconsistent risk evaluation. In many cases, businesses only discover their security gaps after being denied coverage or facing premium hikes, making cyber insurance feel more like a hurdle than a proactive safeguard. This reactive approach benefits no one: Cyber insurers face higher claims payouts, businesses remain vulnerable, and brokers are left to bridge the gap without the right resources.

The future of cyber insurance — and the next evolution of Active Insurance — demands that robust security controls and risk transfer go hand in hand.

Security solutions included with cyber insurance quotes

By offering Coalition Security™ products to businesses at the same time they receive a cyber insurance quote, brokers of all skill levels can help insurance buyers purchase, deploy, and manage impactful cybersecurity capabilities while enhancing coverage and potentially reducing premium for their clients.

When quoting in our Broker Platform, security solutions are automatically recommended and priced based on client attributes and risk profile. Security solutions can be added or removed directly in the platform, giving brokers full control to customize quotes.

Quoting security with cyber insurance is as simple as selecting the recommended offering from a drop down menu when finalizing quotes. Everything needed to present security options to a client is included in the quote bundle, and Coalition’s security consultants are on stand-by to help brokers and clients navigate security options every step of the way.

To further simplify the process for brokers, three security packages are available that could be recommended based on your client’s risk profile and attributes. Each offering provides enhanced cybersecurity protections over and above the security essentials available with every policy. These protections are designed to help reduce the frequency of the most common types of cyber attacks we see. 

Brokers of all skill levels can help insurance buyers purchase, deploy, and manage impactful cybersecurity capabilities while enhancing coverage and potentially reducing premium for their clients.

Offering security services and insurance quotes in the same workflow can help insurance buyers make meaningful improvements to their cybersecurity posture — with direct support from Coalition every step of the way. 

When successfully enrolling a client in a Coalition Security product, agencies can earn a referral fee based on a percent of security services sold where available.*** To learn more, reach out to your Coalition contact or send an email to help@coalitioninc.com.

Businesses recognize the need for better security solutions

Risk managers around the globe ranked cyber incidents as the most important global risk for 2025. What’s more, only 17% of small and midsize businesses rate their current cyber capabilities as even somewhat effective.

With continuous data collection powered by our Active Data Graph, a firsthand view of the risks that drive claims, Coalition Security is grounded in real-time data and insurance insights. This makes us uniquely positioned to develop and deliver loss control solutions that help your clients achieve the results they care about most: minimizing claims. 

Help your clients maximize their investments in cyber insurance and build stronger cyber defenses with Coalition Security. Take advantage of the next evolution in Active Insurance by adding Coalition Security offerings to your next cyber insurance quote directly in the Broker Platform or by emailing submissions@coalitioninc.com.

*Security products are provided by Coalition Incident Response, Inc., d/b/a Coalition Security Services (“CSS”), a wholly owned affiliate of Coalition, Inc. with a principal place of business and registered address of 19 West 44th St., 15th Floor, Ste. 1507, New York, NY 10036. Eligibility for premium credit can depend on risk profile and underwriting qualifications determined at time of quote or renewal. Through the underwriting process other exclusions and limitations may apply. Customers with MDR other than Coalition’s MDR product may be eligible for a MDR premium credit; contact MDRsales@coalitioninc.com for more information. **Eligibility for Additional FTF Coverage requires enrollment in and payment for Coalition Security Awareness Training (“SAT”) for a 12-month period at the time of binding a Coalition cyber insurance policy. SAT is provided by Coalition Security. Coalition Security does not provide insurance products. The purchase of a Coalition insurance policy is not required to purchase SAT or any other Coalition Security product. See Terms of Service for more information. Additional FTF Coverage offer is only for eligible organizations. Limitations and exclusions apply.

***Agencies must execute a Security Referral Fee Agreement with Coalition Security prior to a client’s enrollment in the applicable security product in order to be eligible for a referral fee. Other terms and conditions apply. See Help Center for more information.

Insurance products are offered in the U.S. by Coalition Insurance Solutions Inc., a licensed insurance producer and surplus lines broker, (Cal. license # 0L76155) acting on behalf of a number of unaffiliated insurance companies, and on an admitted basis through Coalition Insurance Company, a licensed insurance underwriter (NAIC # 29530). See licenses and disclaimers.

This blog post is designed to provide general information on the topic presented and is not intended to construe or the rendering of legal or other professional services of any kind. If legal or other professional advice is required, the services of a professional should be sought. The views and opinions expressed as part of this blog post do not necessarily state or reflect those of Coalition. Neither Coalition nor any of its employees make any warranty of any kind, express or implied, or assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, product or process disclosed. The blog post may include links to other third-party websites. These links are provided as a convenience only. Coalition does not endorse, have control over nor assumes responsibility or liability for the content, privacy policy or practices of any such third-party websites.

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