# Coalition vs At-Bay Cyber Insurance: How to Compare Them

> Coalition and At-Bay are both technology-driven "active" cyber insurers. A neutral framework for comparing them for your organisation and getting real quotes.

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

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Coalition and At-Bay are both technology-driven, "active" cyber insurers, and both are often associated with the small-to-mid-market. As with any carrier comparison, the right answer is specific to your organisation — so here is the framework rather than a verdict. ## What they have in common Both pair insurance coverage with security scanning, monitoring and risk-engineering services aimed at preventing incidents, not only paying claims — the "active" insurer model. Both are frequently cited as strong in the small-to-mid-market segment, where their bundled visibility can be especially useful to lean security teams. ## The dimensions that decide it - Coverage scope & exclusions — what is covered and carved out. - Incident-response services — breach coach, forensics, legal panel. - Active risk management — monitoring/scanning and how useful it is to you. - Claims handling — reputation for paying fairly and fast. - Pricing & appetite — price for your profile and fit for your industry/size. ## Getting real numbers Pricing is quote-specific and market-driven. Use a broker for real quotes from both, and use your controls (MFA, EDR, tested backups) as leverage. _Appetite and pricing change frequently; verify current details directly or through a broker._ See the full [buyer's framework →](/blog/how-to-compare-cyber-insurance-carriers), the [market comparison](/blog/cyber-insurance-comparison-carriers-cost-2026), and estimate premium drivers with the [Premium tool](/tools/cyber-insurance-premium). ## Frequently asked questions **Difference between Coalition and At-Bay?** Both are tech-driven "active" insurers strong in the small-to-mid-market; specifics of coverage, appetite and price differ and are quote-specific. **What to compare on?** Coverage/exclusions, incident response, active risk management, claims handling, pricing and appetite. **Good for smaller orgs?** Often yes — bundled scanning/monitoring helps lean teams; still compare and get quotes. **How to price it?** Broker quotes; your controls affect eligibility and price.