# AIG vs Coalition Cyber Insurance: How to Compare Them

> AIG is a large established multiline insurer; Coalition is a technology-driven "active" cyber insurer. A neutral framework for comparing them for your organisation and getting real quotes.

Source: https://playciso.com/blog/aig-vs-coalition-cyber-insurance · Published: 2026-09-26 · Publisher: PlayCISO (https://playciso.com)

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"AIG vs Coalition" is really a question about two models of cyber insurer: a large, established multiline carrier versus a technology-driven "active" one. Both can be the right answer depending on your organisation — so instead of a verdict, here is the framework brokers actually use to compare them. ## Two models **AIG** is a large, long-established multiline insurer with a mature cyber line, global claims operations and significant balance-sheet strength. **Coalition** is a technology-driven "active" cyber insurer that bundles security monitoring, scanning and risk engineering with coverage, aiming to prevent incidents, not only pay claims. Broadly: established scale and breadth versus a security-partner model. ## The dimensions that decide it - Coverage scope & exclusions — ransomware, business interruption, social engineering, regulatory fines. - Incident-response services — breach coach, forensics, legal panel. - Active risk management — monitoring and scanning that reduce your risk. - Claims handling & financial strength — reputation and ability to pay. - Pricing & appetite — price for your profile and willingness to cover your industry and size. ## Getting real numbers Pricing is specific to your risk profile and market conditions — no article can quote it. Use a broker for real quotes from multiple carriers, and use your controls (MFA, EDR, tested backups) as leverage on eligibility and price. _Appetite and pricing change frequently; verify current details directly or through a broker._ See the market view in our [cyber-insurance carrier comparison →](/blog/cyber-insurance-comparison-carriers-cost-2026), compare to another active insurer in [Coalition vs Resilience](/blog/coalition-vs-resilience-cyber-insurance), and estimate premium drivers with the [Premium tool](/tools/cyber-insurance-premium). ## Frequently asked questions **Difference between AIG and Coalition?** Established multiline scale (AIG) versus a tech-driven "active" security-partner model (Coalition); specifics are quote-specific. **What to compare on?** Coverage/exclusions, incident response, active risk management, claims/financial strength, pricing and appetite. **Which is better?** Depends on fit — scale/strength versus bundled security services; resolve with real quotes. **How to price it?** Broker quotes; your security controls affect eligibility and price.