Why Your Business Needs Integrated Cyber Protection
When Apple® chose to control both hardware and software rather than outsourcing one or the other, it didn't just create products — it revolutionized entire categories of technology.
The seamless experience of using an iPhone® or a Macbook®, where everything just works together, stems directly from this integrated approach. Similarly, EV manufacturers like Tesla® redefined the automotive industry by integrating vehicle production with software development, creating cars that improve over time through updates and offer capabilities that traditional separated manufacturing approaches simply cannot match.
The pattern is clear: When companies take full ownership of the entire stack — refusing to separate or outsource critical components — they deliver experiences and value that fragmented approaches cannot achieve.
Now is the time for the cyber insurance market to become vertically integrated so that policyholders get the best coverage, premium, and protection.
The problem: A dangerous disconnect in cyber protection
Cyber threats have become an inevitable business risk in today's digital landscape. Yet for decades, the cyber insurance industry has operated with a fragmented approach: Insurance providers offer policies while recommending security solutions from completely separate vendors. This disconnected model creates friction and misaligned incentives, ultimately leaving businesses more vulnerable.
Risk managers around the globe have ranked cyber incidents as the most important global risk for 2025. Even more concerning, only 17% of small and midsize businesses (SMBs) rate their current cyber capabilities as somewhat effective. This protection gap persists despite the availability of security tools because:
Traditional security vendors have no financial stake in preventing claims
Insurance providers have historically made recommendations without offering implementation support
Businesses discover security gaps only after being denied coverage or facing premium hikes
The burden of evaluating and implementing security solutions falls entirely on businesses with limited resources
Much of the cyber insurance industry has operated in a fundamentally reactive paradigm for too long. This approach is incomplete and insufficient for today's threat landscape.
Only 17% of small and midsize businesses (SMBs) rate their current cyber capabilities as somewhat effective.
Integrated cyber protection: A revolutionary approach
Coalition* fundamentally disrupted the industry with Active Insurance. Now, by introducing security solutions to cyber insurance quotes, we are helping businesses maximize coverage and minimize risk.
SMBs no longer need to shop for insurance and various security solutions from various vendors. Just as Apple created the "it just works" experience by vertically integrating both hardware and software, Coalition is creating a "it just protects" experience by bringing together best-in-class security and insurance in a unified risk management platform.
By introducing security solutions to cyber insurance, we have created a seamless process that transforms your cyber protection experience:
Tailored security recommendations: Our security solutions are automatically recommended based on your specific business attributes and risk profile. This enables you to partner with your broker when assessing a cyber insurance policy.
Transparent value proposition: You can immediately see how adopting these security solutions affects your coverage limits and premium costs.
Unified deployment: Once purchased, your security solutions and insurance coverage are deployed as a single, integrated protection system.
By introducing security solutions to cyber insurance, Coalition has created a seamless process that transforms your cyber protection experience.
How businesses benefit from integrated cyber protection
Integrated cyber protection is an evolution of our Active Insurance strategy. What truly sets Coalition's approach apart is our commitment to excellence in developing security solutions that are fully integrated with our insurance offerings. While others may partner with third-party security vendors, Coalition has built a superior integrated system where our proprietary security products are powered by our Active Data Graph and informed by real-world claims data.
This best-in-class approach delivers unique benefits to policyholders:
1. Enhanced financial protection
With the purchase of Coalition Security Awareness Training, businesses in the US and Canada (excluding Quebec) can maximize coverage with up to a $50,000 (U.S. Dollars) increase to their sublimit for Funds Transfer Fraud* — one of the most common and costly cyber threats facing businesses today.
2. Premium credits
Businesses in the US and Canada (excluding Quebec) that purchase Coalition MDR on a standalone basis, or a security package that includes Coalition MDR, are eligible for up to 12.5% premium credit on cyber insurance policies offered by Coalition.** This isn't just about saving money — it's about being rewarded for taking proactive security measures.
3. Aligned interests for better protection
Traditional third-party security vendors are primarily motivated by contract renewals, but the motivations are completely different for Coalition: We have a vested interest in helping policyholders minimize losses by implementing controls that help reduce the frequency of claims. This creates a powerful alignment of interests that works in your favor — something only possible through our fully integrated approach.
4. Reduced cost of ownership
Traditionally, SMBs need to buy security solutions from different vendors. This increases the total cost across multiple security products while increasing the management complexity, requiring specialized resources to maintain these systems. With Coalition you can purchase one or more security solutions through Coalition Security bundles that reduce your cost of ownership — lower cost and ease of management.
5. Right-sized security solutions
Our security team works directly with our claims and underwriting teams, creating a closed feedback loop that continuously improves both insurance products and security offerings. This means the security solutions you're offered are specifically engineered to address the vulnerabilities that drive claims for businesses like yours.
What truly sets Coalition's approach apart a commitment to excellence in developing security solutions that are fully integrated with our insurance offerings.
Our comprehensive security portfolio
At the heart of our integrated cyber protection approach are security solutions explicitly designed to address the most common causes of cyber claims:
Coalition Security Awareness Training
Our Security Awareness Training goes beyond generic security training videos to deliver personalized, engaging security education and phishing exercises that actually change behavior. Designed based on analysis of actual claims data, this training focuses on the specific attack vectors that most frequently lead to successful financial fraud and phishing attacks. Policyholders implementing Coalition Security Awareness Training receive up to a $50,000 (U.S. Dollars) increase to their Funds Transfer Fraud sublimit.*
Coalition Managed Detection & Response (MDR)
Our MDR solution provides 24/7 monitoring and response capabilities powered by Coalition's threat intelligence and claims data. Unlike generic MDR solutions, ours is precisely calibrated to detect the types of attacks we see targeting businesses like yours. Businesses that implement Coalition MDR can receive up to 12.5% premium credit on their cyber insurance policies.**
Coalition Security bundles
For more comprehensive protection, Coalition offers security packages that combine two or more security offerings at an affordable price designed for SMBs. These packages include additional capabilities such as managed email security, third-party risk management, advisory services, and more — all specifically tailored to your business' risk profile and providing a layered defense against the most likely threats you face. Security bundles maximize both coverage enhancements while simplifying implementation.
The future of cyber risk management
The cyber insurance industry is at an inflection point. The traditional model of separating cyber insurance from security solutions is not just outdated – it's fundamentally flawed. As Shawn Ram, Chief Revenue Officer, Insurance, recently noted, "The future of cyber insurance — and the next evolution of Active Insurance — demands that robust security controls and risk transfer go hand in hand."
Coalition's integrated cyber protection represents the most advanced implementation of this vision in today's market. While others may attempt to bridge the gap between security and insurance, Coalition has created the most seamless, effective, and integrated approach available.
If your business lacks the resources to implement enterprise-grade security solutions or to evaluate the numerous security vendors in the market thoroughly, Coalition can help eliminate this burden by providing highly effective security solutions specifically designed to address the actual threats we see causing claims for businesses like yours.
By choosing Coalition's holistic solution, you're not just incrementally improving your security posture; you're embracing a fundamentally different approach to cyber protection — one where your insurance provider and security provider are aligned in a single, integrated ecosystem with a shared interest in your success.
Join the evolution of Active Insurance
As cyber threats evolve in sophistication and impact, businesses that cling to fragmented, reactive approaches to cyber risk will increasingly find themselves vulnerable. Coalition's pioneering integrated cyber protection model represents not just an improvement but a necessary evolution in how organizations approach digital security.
Reach out to your broker today to learn how Coalition can transform your cybersecurity strategy and overall risk posture. Ask specifically how adding Coalition Security Awareness Training or Coalition MDR can enhance your coverage while reducing your premium.
The future of cyber risk management is here — and it's holistic and integrated. It’s Active Insurance.
